First Community 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.
Construction concentration (Tier 1 capital + allowance) climbed 3.17 percentage points in Q2 2026, from 15.47% to 18.64%. It was the largest change from Q1 2026 among the key lines here. First Community Bank ranks 33rd of 56 Virginia banks on loan-to-deposit ratio, in the lower half at 80.94% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Community Bank sits 7.26 points lower, at 80.94% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.46B |
| Net loans and leases | $2.43B |
| Loans held for sale | $0 |
| Loans to total assets | 68.18% |
| Loan-to-deposit ratio | 80.94% |
| Net loans to equity capital | 4.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.58% |
| Multifamily (5+ residential) | 7.75% |
| Commercial and industrial | 9.26% |
| Consumer | 1.96% |
| Credit cards | 0.26% |
| Farm | 0.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.86% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 200.41% |
| Construction concentration (Tier 1 capital + allowance) | 18.64% |
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 | 5.33% |
| Interest income on loans | $32.6M |
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 | $2.59B | $2.76B | 33.73% | 7.30% | 4.89% |
| Q4 2023 | $2.57B | $2.74B | 33.94% | 7.10% | 4.55% |
| Q1 2024 | $2.52B | $2.70B | 34.36% | 6.93% | 4.40% |
| Q2 2024 | $2.47B | $2.71B | 34.34% | 7.17% | 4.23% |
| Q3 2024 | $2.44B | $2.67B | 34.47% | 7.69% | 3.98% |
| Q4 2024 | $2.42B | $2.70B | 34.42% | 8.49% | 3.63% |
| Q1 2025 | $2.38B | $2.70B | 34.43% | 9.04% | 3.34% |
| Q2 2025 | $2.35B | $2.66B | 34.87% | 9.29% | 3.07% |
| Q3 2025 | $2.33B | $2.66B | 34.83% | 9.57% | 2.78% |
| Q4 2025 | $2.31B | $2.72B | 35.39% | 9.26% | 2.53% |
| Q1 2026 | $2.46B | $3.08B | 35.38% | 9.24% | 2.25% |
| Q2 2026 | $2.46B | $3.04B | 35.58% | 9.26% | 1.96% |
First Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13012) · FFIEC NIC profile (RSSD 2353595)