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.
Cre concentration (tier 1 capital + allowance) climbed 2.81 percentage points in Q2 2026, from 46.58% to 49.38%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First Federal Bank is 9th from the bottom among 81 Florida banks, 41.67% (Q2 2026). Against a median of 88.20% for banks in the $1B-10B asset tier, First Federal Bank reported 41.67% on loan-to-deposit ratio in Q2 2026, 46.53 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.43B |
| Net loans and leases | $1.42B |
| Loans held for sale | $140.3M |
| Loans to total assets | 31.94% |
| Loan-to-deposit ratio | 41.67% |
| Net loans to equity capital | 3.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.36% |
| Multifamily (5+ residential) | 0.01% |
| Commercial and industrial | 10.98% |
| Consumer | 6.16% |
| Credit cards | 0.27% |
| Farm | 0.97% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 49.38% |
| Construction concentration (Tier 1 capital + allowance) | 12.23% |
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 | 6.83% |
| Interest income on loans | $23.9M |
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 | $1.13B | $3.30B | 22.71% | 6.65% | 12.04% |
| Q4 2023 | $1.25B | $3.43B | 23.81% | 8.04% | 10.53% |
| Q1 2024 | $1.28B | $3.40B | 23.00% | 8.37% | 9.63% |
| Q2 2024 | $1.37B | $3.53B | 21.94% | 8.41% | 8.33% |
| Q3 2024 | $1.29B | $3.24B | 23.74% | 8.30% | 8.62% |
| Q4 2024 | $1.26B | $3.33B | 23.88% | 8.95% | 8.11% |
| Q1 2025 | $1.25B | $3.15B | 26.59% | 9.10% | 8.76% |
| Q2 2025 | $1.37B | $3.21B | 24.29% | 10.15% | 7.73% |
| Q3 2025 | $1.32B | $3.19B | 25.06% | 10.60% | 7.75% |
| Q4 2025 | $1.38B | $3.20B | 25.26% | 10.94% | 6.95% |
| Q1 2026 | $1.37B | $3.46B | 25.26% | 11.02% | 6.51% |
| Q2 2026 | $1.43B | $3.44B | 25.36% | 10.98% | 6.16% |
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 31313) · FFIEC NIC profile (RSSD 384278)