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 Loans held for sale: 162.8% higher than in Q1 2026, at $2.7M. On loan-to-deposit ratio, First Bank is 1st from the bottom among 5 Alaska banks, 30.10% (Q2 2026). First Bank's loan-to-deposit ratio of 30.10% is well below the 80.55% median for banks in the $100M-1B asset tier, a gap of 50.45 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $245.7M |
| Net loans and leases | $240.4M |
| Loans held for sale | $2.7M |
| Loans to total assets | 27.61% |
| Loan-to-deposit ratio | 30.10% |
| Net loans to equity capital | 3.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.42% |
| Multifamily (5+ residential) | 5.17% |
| Commercial and industrial | 10.44% |
| Consumer | 5.35% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 74.64% |
| Construction concentration (Tier 1 capital + allowance) | 23.12% |
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 | 7.01% |
| Interest income on loans | $4.3M |
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 | $208.6M | $798.4M | 44.42% | 8.17% | 5.79% |
| Q4 2023 | $209.2M | $786.8M | 44.46% | 8.63% | 5.41% |
| Q1 2024 | $212.9M | $753.9M | 43.75% | 9.50% | 5.58% |
| Q2 2024 | $227.3M | $772.3M | 43.84% | 9.88% | 5.59% |
| Q3 2024 | $226.7M | $824.3M | 41.66% | 10.16% | 5.88% |
| Q4 2024 | $226.6M | $791.7M | 41.47% | 10.01% | 5.61% |
| Q1 2025 | $238.8M | $772.4M | 41.49% | 9.73% | 5.30% |
| Q2 2025 | $237.5M | $798.8M | 40.82% | 10.56% | 5.50% |
| Q3 2025 | $235.6M | $838.0M | 40.80% | 9.98% | 5.67% |
| Q4 2025 | $236.3M | $807.5M | 43.83% | 11.09% | 5.61% |
| Q1 2026 | $242.1M | $786.4M | 43.32% | 10.23% | 5.45% |
| Q2 2026 | $245.7M | $816.2M | 42.42% | 10.44% | 5.35% |
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 14885) · FFIEC NIC profile (RSSD 451068)