FFB Bank: 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) dropped 17.85 percentage points in Q2 2026, from 241.61% to 223.76%. It was the largest change from Q1 2026 among the key lines here. Within California, FFB Bank is 59th of 114 on loan-to-deposit ratio, 90.55% as of Q2 2026, below the middle of the field. At 90.55%, FFB Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.26B |
| Net loans and leases | $1.24B |
| Loans held for sale | $0 |
| Loans to total assets | 77.71% |
| Loan-to-deposit ratio | 90.55% |
| Net loans to equity capital | 6.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.88% |
| Multifamily (5+ residential) | 20.72% |
| Commercial and industrial | 24.05% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 5.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.25% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 223.76% |
| Construction concentration (Tier 1 capital + allowance) | 15.89% |
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 | — |
| Interest income on loans | $20.5M |
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 | $894.2M | $1.13B | 27.53% | 19.48% | 0.00% |
| Q4 2023 | $924.7M | $1.15B | 28.04% | 19.91% | 0.00% |
| Q1 2024 | $922.6M | $1.20B | 28.03% | 21.23% | 0.00% |
| Q2 2024 | $965.7M | $1.17B | 27.92% | 20.71% | 0.00% |
| Q3 2024 | $993.7M | $1.29B | 31.83% | 20.27% | 0.00% |
| Q4 2024 | $1.07B | $1.29B | 31.35% | 20.44% | 0.00% |
| Q1 2025 | $1.09B | $1.32B | 32.03% | 20.20% | 0.00% |
| Q2 2025 | $1.09B | $1.24B | 33.71% | 21.95% | 0.00% |
| Q3 2025 | $1.14B | $1.26B | 34.25% | 19.93% | 0.00% |
| Q4 2025 | $1.19B | $1.34B | 36.24% | 21.02% | 0.00% |
| Q1 2026 | $1.23B | $1.35B | 35.70% | 22.26% | 0.00% |
| Q2 2026 | $1.26B | $1.39B | 36.88% | 24.05% | 0.00% |
FFB Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock FFB Bank, 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 FFB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58090) · FFIEC NIC profile (RSSD 3398623)