First Fed 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 9.85 percentage points in Q2 2026, from 280.31% to 270.46%. It was the largest change from Q1 2026 among the key lines here. Within Washington, First Fed Bank is 6th of 29 on loan-to-deposit ratio, 100.04% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Fed Bank sits 11.83 points higher, at 100.04% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.61B |
| Net loans and leases | $1.60B |
| Loans held for sale | $1.3M |
| Loans to total assets | 76.66% |
| Loan-to-deposit ratio | 100.04% |
| Net loans to equity capital | 8.84% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.72% |
| Multifamily (5+ residential) | 15.91% |
| Commercial and industrial | 3.84% |
| Consumer | 18.25% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 270.46% |
| Construction concentration (Tier 1 capital + allowance) | 28.90% |
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 | 5.49% |
| Interest income on loans | $22.0M |
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 | $1.63B | $1.67B | 23.07% | 4.32% | 15.25% |
| Q4 2023 | $1.66B | $1.68B | 23.17% | 4.34% | 15.03% |
| Q1 2024 | $1.71B | $1.67B | 22.31% | 5.08% | 15.73% |
| Q2 2024 | $1.69B | $1.71B | 21.65% | 4.43% | 16.84% |
| Q3 2024 | $1.73B | $1.72B | 21.26% | 4.74% | 16.25% |
| Q4 2024 | $1.69B | $1.69B | 22.60% | 4.34% | 15.88% |
| Q1 2025 | $1.66B | $1.67B | 23.01% | 4.56% | 16.52% |
| Q2 2025 | $1.66B | $1.66B | 22.95% | 4.39% | 16.88% |
| Q3 2025 | $1.63B | $1.67B | 24.08% | 4.19% | 17.23% |
| Q4 2025 | $1.63B | $1.60B | 24.11% | 4.00% | 17.39% |
| Q1 2026 | $1.63B | $1.61B | 24.25% | 3.76% | 17.84% |
| Q2 2026 | $1.61B | $1.61B | 24.72% | 3.84% | 18.25% |
First Fed Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Fed 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 Fed Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28405) · FFIEC NIC profile (RSSD 403179)