First 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): 2.44 percentage points higher than in Q1 2026, at 281.86%. Within North Carolina, First Bank is 23rd of 38 on loan-to-deposit ratio, 81.08% as of Q2 2026. The median for banks in the $10B-100B asset tier is 86.87% on loan-to-deposit ratio. First Bank sits 5.79 points lower, at 81.08% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $9.00B |
| Net loans and leases | $8.88B |
| Loans held for sale | $12.3M |
| Loans to total assets | 69.07% |
| Loan-to-deposit ratio | 81.08% |
| Net loans to equity capital | 5.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 47.74% |
| Multifamily (5+ residential) | 6.88% |
| Commercial and industrial | 8.41% |
| Consumer | 0.76% |
| Credit cards | 0.31% |
| Farm | 0.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.55% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 281.86% |
| Construction concentration (Tier 1 capital + allowance) | 53.84% |
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 | 5.68% |
| Interest income on loans | $126.0M |
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 | $8.04B | $10.24B | 46.44% | 7.83% | 0.84% |
| Q4 2023 | $8.15B | $10.04B | 46.24% | 7.81% | 0.84% |
| Q1 2024 | $8.08B | $10.33B | 46.35% | 7.61% | 0.82% |
| Q2 2024 | $8.08B | $10.51B | 46.63% | 7.78% | 0.95% |
| Q3 2024 | $8.02B | $10.53B | 46.80% | 7.69% | 0.96% |
| Q4 2024 | $8.10B | $10.56B | 47.31% | 7.73% | 0.87% |
| Q1 2025 | $8.11B | $10.77B | 48.02% | 7.89% | 0.84% |
| Q2 2025 | $8.23B | $10.85B | 48.23% | 8.05% | 0.85% |
| Q3 2025 | $8.42B | $10.90B | 48.31% | 7.73% | 0.83% |
| Q4 2025 | $8.73B | $10.76B | 47.59% | 7.86% | 0.77% |
| Q1 2026 | $8.81B | $11.03B | 48.12% | 7.91% | 0.75% |
| Q2 2026 | $9.00B | $11.10B | 47.74% | 8.41% | 0.76% |
First Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15019) · FFIEC NIC profile (RSSD 216922)