First American 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.
Loan-to-deposit ratio climbed 3.09 percentage points in Q2 2026, from 68.58% to 71.67%. It was the largest change from Q1 2026 among the key lines here. First American Bank ranks 9th of 29 New Mexico banks on loan-to-deposit ratio, in the upper half at 71.67% (Q2 2026). First American Bank reported 71.67% on loan-to-deposit ratio for Q2 2026, 16.54 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.17B |
| Net loans and leases | $1.15B |
| Loans held for sale | $3.0M |
| Loans to total assets | 61.12% |
| Loan-to-deposit ratio | 71.67% |
| Net loans to equity capital | 6.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.38% |
| Multifamily (5+ residential) | 3.29% |
| Commercial and industrial | 14.21% |
| Consumer | 0.25% |
| Credit cards | 0.00% |
| Farm | 5.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 246.99% |
| Construction concentration (Tier 1 capital + allowance) | 65.62% |
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 | 7.28% |
| Interest income on loans | $20.9M |
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 | $947.4M | $1.47B | 45.93% | 15.94% | 0.32% |
| Q4 2023 | $955.9M | $1.53B | 46.37% | 16.33% | 0.31% |
| Q1 2024 | $957.4M | $1.56B | 45.25% | 16.68% | 0.27% |
| Q2 2024 | $970.2M | $1.55B | 44.09% | 17.62% | 0.25% |
| Q3 2024 | $999.3M | $1.51B | 43.28% | 18.57% | 0.25% |
| Q4 2024 | $1.02B | $1.54B | 43.19% | 18.13% | 0.25% |
| Q1 2025 | $1.06B | $1.71B | 47.15% | 17.08% | 0.27% |
| Q2 2025 | $1.10B | $1.62B | 44.43% | 16.86% | 0.25% |
| Q3 2025 | $1.09B | $1.58B | 44.71% | 15.82% | 0.26% |
| Q4 2025 | $1.09B | $1.57B | 45.82% | 14.62% | 0.26% |
| Q1 2026 | $1.14B | $1.66B | 49.14% | 14.20% | 0.24% |
| Q2 2026 | $1.17B | $1.63B | 48.38% | 14.21% | 0.25% |
First American Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First American 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 First American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2240) · FFIEC NIC profile (RSSD 771458)