First Electronic 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.
The standout move of Q2 2026 was in Yield on loans: 5.74 percentage points higher than in Q1 2026, at 52.75%. First Electronic Bank ranks 32nd of 44 Utah banks on loan-to-deposit ratio, in the lower half at 71.58% (Q2 2026). First Electronic Bank reported 71.58% on loan-to-deposit ratio for Q2 2026, 8.98 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $204.5M |
| Net loans and leases | $203.2M |
| Loans held for sale | $199.0M |
| Loans to total assets | 40.66% |
| Loan-to-deposit ratio | 71.58% |
| Net loans to equity capital | 1.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 2.15% |
| Consumer | 97.85% |
| Credit cards | 8.01% |
| 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) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 52.75% |
| Interest income on loans | $20.5M |
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 | $83.7M | $144.0M | 0.00% | 8.18% | 91.82% |
| Q4 2023 | $100.8M | $177.8M | 0.00% | 6.94% | 93.06% |
| Q1 2024 | $166.8M | $247.0M | 0.00% | 3.46% | 96.54% |
| Q2 2024 | $163.8M | $310.0M | 0.00% | 3.37% | 96.63% |
| Q3 2024 | $192.8M | $226.4M | 0.00% | 2.40% | 97.60% |
| Q4 2024 | $207.4M | $312.0M | 0.00% | 2.90% | 97.10% |
| Q1 2025 | $275.4M | $324.9M | 0.00% | 1.67% | 98.33% |
| Q2 2025 | $161.6M | $333.5M | 0.00% | 3.36% | 96.64% |
| Q3 2025 | $185.7M | $332.3M | 0.00% | 2.87% | 97.13% |
| Q4 2025 | $120.9M | $271.4M | 0.00% | 5.42% | 94.58% |
| Q1 2026 | $155.0M | $207.3M | 0.00% | 2.42% | 97.58% |
| Q2 2026 | $204.5M | $285.6M | 0.00% | 2.15% | 97.85% |
First Electronic Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Electronic 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 Electronic Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35533) · FFIEC NIC profile (RSSD 2947556)