First Community Bank of Central Alabama: 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) dropped 6.09 percentage points in Q2 2026, from 132.98% to 126.89%. It was the largest change from Q1 2026 among the key lines here. First Community Bank of Central Alabama ranks 26th of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 79.18% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; First Community Bank of Central Alabama reported 79.18% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $505.4M |
| Net loans and leases | $496.0M |
| Loans held for sale | $1.1M |
| Loans to total assets | 72.80% |
| Loan-to-deposit ratio | 79.18% |
| Net loans to equity capital | 10.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.69% |
| Multifamily (5+ residential) | 0.65% |
| Commercial and industrial | 11.59% |
| Consumer | 4.34% |
| Credit cards | 0.00% |
| Farm | 3.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.61% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 199.76% |
| Construction concentration (Tier 1 capital + allowance) | 126.89% |
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 | $8.9M |
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 | $352.4M | $544.5M | 34.03% | 10.24% | 6.22% |
| Q4 2023 | $357.4M | $556.5M | 32.52% | 11.19% | 6.07% |
| Q1 2024 | $364.3M | $576.8M | 32.51% | 11.14% | 6.15% |
| Q2 2024 | $373.7M | $558.7M | 33.06% | 10.08% | 6.15% |
| Q3 2024 | $385.1M | $570.7M | 33.07% | 9.99% | 6.14% |
| Q4 2024 | $403.4M | $590.4M | 33.27% | 9.72% | 5.58% |
| Q1 2025 | $415.9M | $617.6M | 32.57% | 10.14% | 5.27% |
| Q2 2025 | $446.3M | $611.1M | 31.72% | 9.94% | 4.91% |
| Q3 2025 | $453.4M | $622.0M | 32.62% | 9.95% | 5.31% |
| Q4 2025 | $465.4M | $623.6M | 31.99% | 10.92% | 4.70% |
| Q1 2026 | $488.3M | $644.4M | 31.42% | 10.91% | 4.20% |
| Q2 2026 | $505.4M | $638.3M | 32.69% | 11.59% | 4.34% |
First Community Bank of Central Alabama loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community Bank of Central Alabama, 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 of Central Alabama profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57124) · FFIEC NIC profile (RSSD 3034257)