First Federal Bank, a FSB: 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 Loan-to-deposit ratio: 7.69 percentage points lower than in Q1 2026, at 126.18%. As of Q2 2026, First Federal Bank, a FSB ranks first in Alabama on loan-to-deposit ratio among 93 banks, at 126.18%. Against a median of 80.84% for banks in the $100M-1B asset tier, First Federal Bank, a FSB reported 126.18% on loan-to-deposit ratio in Q2 2026, 45.35 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $151.9M |
| Net loans and leases | $150.5M |
| Loans held for sale | $22.3M |
| Loans to total assets | 83.17% |
| Loan-to-deposit ratio | 126.18% |
| Net loans to equity capital | 10.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.10% |
| Commercial and industrial | 0.00% |
| Consumer | 0.08% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 24.96% |
| Construction concentration (Tier 1 capital + allowance) | 23.95% |
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 | 6.14% |
| Interest income on loans | $2.3M |
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 | $146.2M | $110.6M | 0.00% | 0.01% | 0.17% |
| Q4 2023 | $147.1M | $107.9M | 0.00% | 0.07% | 0.16% |
| Q1 2024 | $145.8M | $112.6M | 0.00% | 0.16% | 0.14% |
| Q2 2024 | $156.4M | $123.9M | 0.00% | 0.15% | 0.14% |
| Q3 2024 | $154.0M | $133.7M | 0.00% | 0.15% | 0.21% |
| Q4 2024 | $133.5M | $118.2M | 0.00% | 0.13% | 0.17% |
| Q1 2025 | $144.6M | $121.6M | 0.00% | 0.16% | 0.14% |
| Q2 2025 | $151.2M | $120.1M | 0.00% | 0.16% | 0.11% |
| Q3 2025 | $146.2M | $115.3M | 0.00% | 0.00% | 0.09% |
| Q4 2025 | $144.2M | $110.5M | 0.00% | 0.00% | 0.08% |
| Q1 2026 | $150.0M | $112.0M | 0.00% | 0.00% | 0.09% |
| Q2 2026 | $151.9M | $120.4M | 0.00% | 0.00% | 0.08% |
First Federal Bank, a FSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Bank, a FSB, 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, a FSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31127) · FFIEC NIC profile (RSSD 814074)