First Central Savings 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) climbed 7.06 percentage points in Q2 2026, from 256.89% to 263.94%. It was the largest change from Q1 2026 among the key lines here. First Central Savings Bank ranks 15th of 105 New York banks on loan-to-deposit ratio, in the upper half at 100.57% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Central Savings Bank sits 12.37 points higher, at 100.57% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $896.0M |
| Net loans and leases | $888.1M |
| Loans held for sale | $10.8M |
| Loans to total assets | 87.38% |
| Loan-to-deposit ratio | 100.57% |
| Net loans to equity capital | 8.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.42% |
| Multifamily (5+ residential) | 7.71% |
| Commercial and industrial | 2.56% |
| Consumer | 0.00% |
| 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) | 263.94% |
| Construction concentration (Tier 1 capital + allowance) | 28.85% |
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 | 6.34% |
| Interest income on loans | $14.0M |
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 | $822.5M | $838.4M | 28.38% | 3.42% | 0.00% |
| Q4 2023 | $835.4M | $820.9M | 27.36% | 3.39% | 0.01% |
| Q1 2024 | $837.0M | $851.3M | 28.91% | 3.11% | 0.01% |
| Q2 2024 | $858.6M | $873.7M | 27.37% | 2.95% | 0.00% |
| Q3 2024 | $882.7M | $857.7M | 25.79% | 2.82% | 0.00% |
| Q4 2024 | $853.1M | $833.6M | 26.04% | 2.70% | 0.00% |
| Q1 2025 | $884.2M | $856.7M | 25.56% | 2.68% | 0.00% |
| Q2 2025 | $875.4M | $859.0M | 25.83% | 2.63% | 0.00% |
| Q3 2025 | $873.4M | $860.6M | 26.36% | 2.75% | 0.00% |
| Q4 2025 | $847.1M | $836.7M | 27.65% | 2.53% | 0.00% |
| Q1 2026 | $861.1M | $827.3M | 27.32% | 2.58% | 0.00% |
| Q2 2026 | $896.0M | $891.0M | 26.42% | 2.56% | 0.00% |
First Central Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Central Savings 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 Central Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34969) · FFIEC NIC profile (RSSD 2797359)