First Carolina 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.
Cre concentration (tier 1 capital + allowance) dropped 36.51 percentage points in Q2 2026, from 487.30% to 450.79%. It was the largest change from Q1 2026 among the key lines here. First Carolina Bank ranks 6th of 38 North Carolina banks on loan-to-deposit ratio, in the upper half at 95.55% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Carolina Bank sits 7.35 points higher, at 95.55% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.74B |
| Net loans and leases | $2.72B |
| Loans held for sale | $0 |
| Loans to total assets | 80.52% |
| Loan-to-deposit ratio | 95.55% |
| Net loans to equity capital | 5.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 47.85% |
| Multifamily (5+ residential) | 15.79% |
| Commercial and industrial | 11.41% |
| Consumer | 0.07% |
| Credit cards | 0.00% |
| Farm | 0.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 450.79% |
| Construction concentration (Tier 1 capital + allowance) | 81.49% |
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 | — |
| Interest income on loans | $41.6M |
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 | $2.16B | $2.07B | 52.62% | 12.29% | 0.03% |
| Q4 2023 | $2.23B | $2.37B | 49.82% | 11.39% | 0.07% |
| Q1 2024 | $2.37B | $2.52B | 51.53% | 12.05% | 0.10% |
| Q2 2024 | $2.54B | $2.54B | 51.29% | 12.03% | 0.08% |
| Q3 2024 | $2.62B | $2.60B | 51.70% | 11.73% | 0.08% |
| Q4 2024 | $2.59B | $2.52B | 52.53% | 10.37% | 0.07% |
| Q1 2025 | $2.65B | $2.72B | 51.50% | 11.60% | 0.07% |
| Q2 2025 | $2.70B | $2.95B | 51.97% | 11.03% | 0.07% |
| Q3 2025 | $2.70B | $3.08B | 51.38% | 11.97% | 0.06% |
| Q4 2025 | $2.65B | $2.80B | 51.71% | 11.32% | 0.06% |
| Q1 2026 | $2.68B | $2.97B | 48.03% | 12.20% | 0.07% |
| Q2 2026 | $2.74B | $2.87B | 47.85% | 11.41% | 0.07% |
First Carolina Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Carolina 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 Carolina Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35530) · FFIEC NIC profile (RSSD 2963266)