Financial Federal 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 17.58 percentage points lower than in Q1 2026, at 309.56%. Financial Federal Bank has the highest loan-to-deposit ratio of the 109 banks headquartered in Tennessee, 122.89% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Financial Federal Bank sits 34.69 points higher, at 122.89% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.08B |
| Net loans and leases | $1.07B |
| Loans held for sale | $3.3M |
| Loans to total assets | 96.23% |
| Loan-to-deposit ratio | 122.89% |
| Net loans to equity capital | 9.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.14% |
| Multifamily (5+ residential) | 6.07% |
| Commercial and industrial | 14.18% |
| Consumer | 2.58% |
| Credit cards | 0.00% |
| Farm | 0.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 309.56% |
| Construction concentration (Tier 1 capital + allowance) | 146.93% |
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 | 6.07% |
| Interest income on loans | $16.3M |
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 | $918.9M | $703.5M | 26.82% | 16.45% | 2.66% |
| Q4 2023 | $942.2M | $740.5M | 25.80% | 16.08% | 2.71% |
| Q1 2024 | $965.6M | $757.4M | 26.37% | 15.31% | 2.26% |
| Q2 2024 | $984.5M | $737.5M | 25.33% | 15.11% | 2.46% |
| Q3 2024 | $1.02B | $793.8M | 25.01% | 14.97% | 2.41% |
| Q4 2024 | $1.02B | $796.3M | 25.40% | 13.78% | 2.41% |
| Q1 2025 | $1.04B | $814.0M | 26.25% | 14.05% | 2.76% |
| Q2 2025 | $1.04B | $809.5M | 26.27% | 13.21% | 2.53% |
| Q3 2025 | $1.05B | $840.8M | 25.45% | 13.65% | 2.71% |
| Q4 2025 | $1.05B | $873.7M | 24.83% | 14.60% | 2.27% |
| Q1 2026 | $1.07B | $858.6M | 25.09% | 14.19% | 2.28% |
| Q2 2026 | $1.08B | $879.7M | 25.14% | 14.18% | 2.58% |
Financial Federal Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Financial Federal 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 Financial Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31840) · FFIEC NIC profile (RSSD 590976)