First Bank of Alabama: 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): 5.08 percentage points lower than in Q1 2026, at 245.13%. Within Alabama, First Bank of Alabama is 52nd of 93 on loan-to-deposit ratio, 66.71% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Bank of Alabama sits 21.49 points lower, at 66.71% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $809.8M |
| Net loans and leases | $800.4M |
| Loans held for sale | $0 |
| Loans to total assets | 59.45% |
| Loan-to-deposit ratio | 66.71% |
| Net loans to equity capital | 7.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.57% |
| Multifamily (5+ residential) | 3.22% |
| Commercial and industrial | 16.27% |
| Consumer | 2.10% |
| Credit cards | 0.35% |
| Farm | 0.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.15% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 245.13% |
| Construction concentration (Tier 1 capital + allowance) | 44.09% |
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 | 6.58% |
| Interest income on loans | $13.4M |
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 | $680.5M | $893.4M | 37.80% | 14.92% | 2.87% |
| Q4 2023 | $687.8M | $912.2M | 38.82% | 15.07% | 2.80% |
| Q1 2024 | $696.0M | $949.6M | 38.21% | 14.64% | 2.62% |
| Q2 2024 | $714.8M | $980.1M | 38.69% | 16.19% | 2.66% |
| Q3 2024 | $699.0M | $996.7M | 40.53% | 14.72% | 2.66% |
| Q4 2024 | $704.5M | $1.05B | 41.83% | 14.62% | 2.48% |
| Q1 2025 | $702.3M | $1.03B | 40.78% | 14.33% | 2.43% |
| Q2 2025 | $703.4M | $1.02B | 41.73% | 15.46% | 2.11% |
| Q3 2025 | $735.8M | $997.6M | 42.45% | 17.30% | 1.89% |
| Q4 2025 | $718.3M | $1.08B | 45.01% | 16.81% | 1.92% |
| Q1 2026 | $817.4M | $1.22B | 46.76% | 16.34% | 2.26% |
| Q2 2026 | $809.8M | $1.21B | 46.57% | 16.27% | 2.10% |
First Bank of Alabama loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Alabama, 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 of Alabama profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2832) · FFIEC NIC profile (RSSD 257233)