First Exchange 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 CRE concentration (Tier 1 capital + allowance): 8.38 percentage points higher than in Q1 2026, at 133.88%. Within West Virginia, First Exchange Bank is 22nd of 41 on loan-to-deposit ratio, 82.66% as of Q2 2026. At 82.66%, First Exchange Bank's loan-to-deposit ratio is close to the 80.55% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $294.7M |
| Net loans and leases | $290.3M |
| Loans held for sale | $0 |
| Loans to total assets | 75.36% |
| Loan-to-deposit ratio | 82.66% |
| Net loans to equity capital | 9.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.13% |
| Multifamily (5+ residential) | 8.08% |
| Commercial and industrial | 6.48% |
| Consumer | 3.79% |
| Credit cards | 0.00% |
| Farm | 0.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.29% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 133.88% |
| Construction concentration (Tier 1 capital + allowance) | 15.59% |
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 | 6.06% |
| Interest income on loans | $4.4M |
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 | $290.9M | $287.0M | 23.78% | 8.16% | 5.21% |
| Q4 2023 | $304.9M | $293.0M | 24.48% | 7.83% | 5.26% |
| Q1 2024 | $307.3M | $330.6M | 24.52% | 7.42% | 5.36% |
| Q2 2024 | $305.4M | $339.7M | 23.87% | 7.27% | 5.35% |
| Q3 2024 | $303.9M | $340.9M | 23.84% | 6.95% | 5.27% |
| Q4 2024 | $301.8M | $340.8M | 23.79% | 6.67% | 5.12% |
| Q1 2025 | $298.3M | $348.5M | 23.73% | 6.60% | 5.11% |
| Q2 2025 | $296.8M | $343.0M | 23.81% | 6.49% | 4.59% |
| Q3 2025 | $291.4M | $340.9M | 22.94% | 6.08% | 4.45% |
| Q4 2025 | $292.1M | $341.1M | 22.37% | 7.26% | 4.21% |
| Q1 2026 | $291.6M | $350.9M | 20.72% | 6.94% | 4.01% |
| Q2 2026 | $294.7M | $356.5M | 20.13% | 6.48% | 3.79% |
First Exchange Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Exchange 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 Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13020) · FFIEC NIC profile (RSSD 170332)