First Bank of Boaz: 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.
Commercial real estate (nonfarm nonresidential) dropped 1.86 percentage points in Q2 2026, from 32.82% to 30.96%. It was the largest change from Q1 2026 among the key lines here. First Bank of Boaz has the 4th lowest loan-to-deposit ratio of the 93 banks headquartered in Alabama, at 33.72% as of Q2 2026. First Bank of Boaz's loan-to-deposit ratio of 33.72% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 47.12 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $70.1M |
| Net loans and leases | $69.1M |
| Loans held for sale | $0 |
| Loans to total assets | 29.24% |
| Loan-to-deposit ratio | 33.72% |
| Net loans to equity capital | 2.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.96% |
| Multifamily (5+ residential) | 0.21% |
| Commercial and industrial | 13.49% |
| Consumer | 6.75% |
| Credit cards | 0.00% |
| Farm | 1.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.39% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 27.05% |
| Construction concentration (Tier 1 capital + allowance) | 13.36% |
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 | 6.52% |
| Interest income on loans | $1.1M |
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 | $60.6M | $204.1M | 35.84% | 16.66% | 8.29% |
| Q4 2023 | $62.5M | $191.0M | 35.16% | 16.60% | 7.60% |
| Q1 2024 | $64.0M | $197.9M | 33.19% | 16.91% | 6.43% |
| Q2 2024 | $64.1M | $200.9M | 31.68% | 15.15% | 6.82% |
| Q3 2024 | $65.6M | $196.9M | 30.59% | 14.42% | 6.15% |
| Q4 2024 | $64.6M | $195.6M | 32.61% | 13.77% | 6.43% |
| Q1 2025 | $64.2M | $205.1M | 35.65% | 15.24% | 8.46% |
| Q2 2025 | $64.9M | $205.6M | 32.83% | 14.67% | 7.56% |
| Q3 2025 | $65.7M | $212.5M | 31.81% | 14.49% | 7.52% |
| Q4 2025 | $69.2M | $203.9M | 33.58% | 14.03% | 7.41% |
| Q1 2026 | $69.0M | $204.1M | 32.82% | 12.59% | 7.31% |
| Q2 2026 | $70.1M | $208.0M | 30.96% | 13.49% | 6.75% |
First Bank of Boaz loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of Boaz, 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 Boaz profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2784) · FFIEC NIC profile (RSSD 533535)