First Colony Bank of Florida: 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): 16.33 percentage points lower than in Q1 2026, at 235.31%. First Colony Bank of Florida ranks 40th of 81 Florida banks on loan-to-deposit ratio, in the upper half at 76.70% (Q2 2026). First Colony Bank of Florida reported 76.70% on loan-to-deposit ratio for Q2 2026, 4.14 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $201.2M |
| Net loans and leases | $198.0M |
| Loans held for sale | $0 |
| Loans to total assets | 69.11% |
| Loan-to-deposit ratio | 76.70% |
| Net loans to equity capital | 7.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 64.66% |
| Multifamily (5+ residential) | 1.03% |
| Commercial and industrial | 14.80% |
| Consumer | 0.09% |
| 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) | 235.31% |
| Construction concentration (Tier 1 capital + allowance) | 71.21% |
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 | $3.3M |
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 | $169.2M | $245.7M | 71.00% | 11.22% | 0.06% |
| Q4 2023 | $183.5M | $256.9M | 65.69% | 14.37% | 0.11% |
| Q1 2024 | $178.6M | $296.4M | 68.95% | 11.13% | 0.04% |
| Q2 2024 | $191.2M | $284.2M | 66.52% | 13.89% | 0.07% |
| Q3 2024 | $198.1M | $289.8M | 64.17% | 14.92% | 0.21% |
| Q4 2024 | $196.1M | $281.6M | 64.78% | 14.53% | 0.64% |
| Q1 2025 | $202.0M | $268.5M | 64.70% | 14.85% | 0.47% |
| Q2 2025 | $205.4M | $274.9M | 63.42% | 15.25% | 0.45% |
| Q3 2025 | $195.9M | $267.4M | 62.76% | 16.42% | 0.27% |
| Q4 2025 | $191.0M | $259.0M | 62.52% | 14.33% | 0.12% |
| Q1 2026 | $201.2M | $279.7M | 63.90% | 15.41% | 0.09% |
| Q2 2026 | $201.2M | $262.4M | 64.66% | 14.80% | 0.09% |
First Colony Bank of Florida loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Colony Bank of Florida, 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 Colony Bank of Florida profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58644) · FFIEC NIC profile (RSSD 3688548)