Community 1st Bank Las Vegas: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 29.08 percentage points in Q2 2026, from 135.69% to 164.78%. It was the largest change from Q1 2026 among the key lines here. Within New Mexico, Community 1st Bank Las Vegas is 25th of 29 on loan-to-deposit ratio, 40.13% as of Q2 2026, below the middle of the field. Community 1st Bank Las Vegas's loan-to-deposit ratio of 40.13% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 40.71 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $106.7M |
| Net loans and leases | $105.3M |
| Loans held for sale | $0 |
| Loans to total assets | 36.30% |
| Loan-to-deposit ratio | 40.13% |
| Net loans to equity capital | 3.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.19% |
| Multifamily (5+ residential) | 3.87% |
| Commercial and industrial | 15.11% |
| Consumer | 2.87% |
| Credit cards | 0.00% |
| Farm | 2.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 164.78% |
| Construction concentration (Tier 1 capital + allowance) | 51.65% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.97% |
| Interest income on loans | $1.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $76.3M | $166.1M | 33.23% | 17.70% | 1.33% |
| Q4 2023 | $77.9M | $186.2M | 32.77% | 16.65% | 1.33% |
| Q1 2024 | $88.0M | $190.5M | 35.58% | 13.93% | 0.98% |
| Q2 2024 | $88.4M | $223.3M | 34.46% | 13.43% | 1.29% |
| Q3 2024 | $93.1M | $238.6M | 30.89% | 14.25% | 1.37% |
| Q4 2024 | $88.6M | $272.8M | 31.96% | 13.08% | 1.45% |
| Q1 2025 | $92.0M | $268.2M | 33.69% | 12.74% | 1.38% |
| Q2 2025 | $91.5M | $287.3M | 39.54% | 12.38% | 1.66% |
| Q3 2025 | $91.4M | $260.9M | 40.94% | 12.13% | 3.32% |
| Q4 2025 | $92.5M | $266.0M | 40.04% | 13.74% | 3.13% |
| Q1 2026 | $91.4M | $265.7M | 37.69% | 14.92% | 3.13% |
| Q2 2026 | $106.7M | $265.8M | 44.19% | 15.11% | 2.87% |
Community 1st Bank Las Vegas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 1st Bank Las Vegas, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community 1st Bank Las Vegas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16854) · FFIEC NIC profile (RSSD 768458)