First Farmers and Commercial 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) dropped 21.48 percentage points in Q2 2026, from 261.66% to 240.18%. It was the largest change from Q1 2026 among the key lines here. First Farmers and Commercial Bank ranks 62nd of 109 Tennessee banks on loan-to-deposit ratio, in the lower half at 81.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; First Farmers and Commercial Bank reported 81.51% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $165.3M |
| Net loans and leases | $162.9M |
| Loans held for sale | $0 |
| Loans to total assets | 73.02% |
| Loan-to-deposit ratio | 81.51% |
| Net loans to equity capital | 7.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.26% |
| Multifamily (5+ residential) | 7.03% |
| Commercial and industrial | 5.78% |
| Consumer | 3.31% |
| Credit cards | 0.00% |
| Farm | 3.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 240.18% |
| Construction concentration (Tier 1 capital + allowance) | 89.67% |
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 | 7.21% |
| Interest income on loans | $3.0M |
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 | $149.7M | $195.3M | 29.27% | 10.58% | 3.80% |
| Q4 2023 | $155.1M | $191.8M | 29.61% | 10.41% | 3.63% |
| Q1 2024 | $160.9M | $204.5M | 29.55% | 10.46% | 3.43% |
| Q2 2024 | $162.0M | $200.2M | 29.27% | 8.93% | 3.06% |
| Q3 2024 | $159.5M | $195.8M | 31.28% | 8.85% | 3.03% |
| Q4 2024 | $159.7M | $197.6M | 30.26% | 9.20% | 2.84% |
| Q1 2025 | $156.7M | $194.1M | 29.38% | 9.15% | 2.75% |
| Q2 2025 | $157.5M | $198.8M | 25.19% | 7.05% | 2.84% |
| Q3 2025 | $163.9M | $202.2M | 26.41% | 6.64% | 2.80% |
| Q4 2025 | $167.2M | $197.5M | 27.07% | 6.37% | 3.07% |
| Q1 2026 | $167.6M | $200.4M | 26.94% | 5.98% | 3.22% |
| Q2 2026 | $165.3M | $202.8M | 29.26% | 5.78% | 3.31% |
First Farmers and Commercial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Farmers and Commercial 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 Farmers and Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4960) · FFIEC NIC profile (RSSD 702836)