First Credit 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 2.33 percentage points in Q2 2026, from 106.16% to 108.48%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First Credit Bank ranks 2nd highest among the 114 banks headquartered in California, at 154.15% (Q2 2026). First Credit Bank's loan-to-deposit ratio of 154.15% is well above the 80.55% median for banks in the $100M-1B asset tier, a gap of 73.60 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $409.0M |
| Net loans and leases | $398.9M |
| Loans held for sale | $0 |
| Loans to total assets | 79.28% |
| Loan-to-deposit ratio | 154.15% |
| Net loans to equity capital | 1.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 65.90% |
| Multifamily (5+ residential) | 0.11% |
| Commercial and industrial | 0.99% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 1.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 108.48% |
| Construction concentration (Tier 1 capital + allowance) | 35.85% |
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 | 9.17% |
| Interest income on loans | $9.2M |
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 | $465.7M | $327.7M | 56.05% | 0.90% | 0.00% |
| Q4 2023 | $477.8M | $350.1M | 57.52% | 0.44% | 0.00% |
| Q1 2024 | $483.4M | $340.4M | 60.91% | 0.27% | 0.00% |
| Q2 2024 | $452.2M | $321.9M | 58.54% | 0.44% | 0.00% |
| Q3 2024 | $415.0M | $312.7M | 60.29% | 1.11% | 0.00% |
| Q4 2024 | $413.3M | $299.9M | 60.50% | 0.77% | 0.00% |
| Q1 2025 | $413.3M | $291.4M | 59.26% | 0.77% | 0.00% |
| Q2 2025 | $429.4M | $282.4M | 59.71% | 0.74% | 0.00% |
| Q3 2025 | $394.8M | $270.2M | 60.72% | 0.80% | 0.00% |
| Q4 2025 | $388.8M | $259.4M | 64.88% | 1.06% | 0.00% |
| Q1 2026 | $393.5M | $257.9M | 64.63% | 1.04% | 0.00% |
| Q2 2026 | $409.0M | $265.3M | 65.90% | 0.99% | 0.00% |
First Credit Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Credit 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 Credit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 24332) · FFIEC NIC profile (RSSD 5069)