First Federal 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): 10.13 percentage points higher than in Q1 2026, at 188.11%. Within Tennessee, First Federal Bank is 87th of 109 on loan-to-deposit ratio, 70.17% as of Q2 2026, below the middle of the field. First Federal Bank reported 70.17% on loan-to-deposit ratio for Q2 2026, 18.03 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $686.7M |
| Net loans and leases | $673.3M |
| Loans held for sale | $492K |
| Loans to total assets | 61.77% |
| Loan-to-deposit ratio | 70.17% |
| Net loans to equity capital | 5.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.54% |
| Multifamily (5+ residential) | 5.27% |
| Commercial and industrial | 2.42% |
| Consumer | 3.00% |
| Credit cards | 0.00% |
| Farm | 1.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 5.59% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 188.11% |
| Construction concentration (Tier 1 capital + allowance) | 122.07% |
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 | — |
| Interest income on loans | $10.5M |
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 | $578.6M | $860.7M | 14.10% | 2.90% | 3.37% |
| Q4 2023 | $582.7M | $867.8M | 13.74% | 3.01% | 3.29% |
| Q1 2024 | $586.9M | $877.0M | 13.74% | 3.27% | 3.29% |
| Q2 2024 | $582.1M | $872.2M | 13.07% | 3.35% | 3.33% |
| Q3 2024 | $569.9M | $873.6M | 13.46% | 2.36% | 3.26% |
| Q4 2024 | $573.9M | $862.8M | 12.92% | 2.27% | 3.74% |
| Q1 2025 | $567.1M | $855.0M | 13.09% | 3.50% | 3.16% |
| Q2 2025 | $592.8M | $931.4M | 15.15% | 1.96% | 2.89% |
| Q3 2025 | $601.6M | $932.0M | 14.77% | 1.87% | 4.58% |
| Q4 2025 | $620.4M | $943.5M | 15.24% | 2.22% | 2.84% |
| Q1 2026 | $654.8M | $969.7M | 14.14% | 2.40% | 2.93% |
| Q2 2026 | $686.7M | $978.6M | 14.54% | 2.42% | 3.00% |
First Federal Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal 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 Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29782) · FFIEC NIC profile (RSSD 220974)