First Bank Hampton: 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 5.99 percentage points in Q2 2026, from 90.85% to 96.84%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, First Bank Hampton is 40th of 225 on loan-to-deposit ratio, 96.84% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Bank Hampton sits 16.28 points higher, at 96.84% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $201.6M |
| Net loans and leases | $197.7M |
| Loans held for sale | $0 |
| Loans to total assets | 83.70% |
| Loan-to-deposit ratio | 96.84% |
| Net loans to equity capital | 7.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.52% |
| Multifamily (5+ residential) | 1.25% |
| Commercial and industrial | 19.93% |
| Consumer | 4.25% |
| Credit cards | 0.00% |
| Farm | 18.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.82% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 21.04% |
| Construction concentration (Tier 1 capital + allowance) | 0.68% |
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 | 6.41% |
| Interest income on loans | $3.2M |
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 | $171.2M | $205.2M | 12.58% | 23.06% | 5.47% |
| Q4 2023 | $179.2M | $197.7M | 12.58% | 22.08% | 5.07% |
| Q1 2024 | $182.7M | $199.4M | 12.99% | 20.78% | 4.96% |
| Q2 2024 | $179.9M | $189.8M | 12.84% | 21.65% | 5.18% |
| Q3 2024 | $181.5M | $219.0M | 12.99% | 21.31% | 5.34% |
| Q4 2024 | $188.7M | $206.3M | 13.50% | 20.15% | 5.19% |
| Q1 2025 | $191.8M | $215.4M | 13.83% | 20.04% | 4.84% |
| Q2 2025 | $196.8M | $214.6M | 12.84% | 20.55% | 4.79% |
| Q3 2025 | $201.4M | $219.5M | 14.10% | 20.38% | 4.55% |
| Q4 2025 | $198.2M | $215.9M | 14.96% | 20.03% | 4.48% |
| Q1 2026 | $202.2M | $222.5M | 17.32% | 19.29% | 4.24% |
| Q2 2026 | $201.6M | $208.2M | 17.52% | 19.93% | 4.25% |
First Bank Hampton loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank Hampton, 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 Hampton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4464) · FFIEC NIC profile (RSSD 786948)