First County 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 41.51 percentage points in Q2 2026, from 328.36% to 369.88%. It was the largest change from Q1 2026 among the key lines here. First County Bank ranks 11th of 27 Connecticut banks on loan-to-deposit ratio, in the upper half at 99.65% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First County Bank sits 11.45 points higher, at 99.65% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.91B |
| Net loans and leases | $1.90B |
| Loans held for sale | $0 |
| Loans to total assets | 78.97% |
| Loan-to-deposit ratio | 99.65% |
| Net loans to equity capital | 9.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.78% |
| Multifamily (5+ residential) | 17.74% |
| Commercial and industrial | 4.08% |
| Consumer | 0.58% |
| 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) | 369.88% |
| Construction concentration (Tier 1 capital + allowance) | 52.55% |
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 | 5.29% |
| Interest income on loans | $24.3M |
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 | $1.65B | $1.59B | 32.59% | 5.08% | 1.08% |
| Q4 2023 | $1.68B | $1.63B | 32.63% | 5.21% | 0.98% |
| Q1 2024 | $1.67B | $1.68B | 32.32% | 5.50% | 0.93% |
| Q2 2024 | $1.67B | $1.77B | 32.30% | 5.61% | 0.88% |
| Q3 2024 | $1.66B | $1.79B | 32.66% | 5.55% | 0.85% |
| Q4 2024 | $1.70B | $1.75B | 33.03% | 5.14% | 0.79% |
| Q1 2025 | $1.71B | $1.75B | 32.87% | 5.13% | 0.75% |
| Q2 2025 | $1.70B | $1.76B | 33.08% | 4.76% | 0.76% |
| Q3 2025 | $1.70B | $1.74B | 33.84% | 5.45% | 0.67% |
| Q4 2025 | $1.73B | $1.78B | 34.33% | 5.30% | 0.64% |
| Q1 2026 | $1.81B | $1.77B | 32.34% | 4.81% | 0.58% |
| Q2 2026 | $1.91B | $1.92B | 33.78% | 4.08% | 0.58% |
First County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First County 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 County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18204) · FFIEC NIC profile (RSSD 958204)