First Federal Bank & Trust: 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 Loans held for sale: 140.4% higher than in Q1 2026, at $2.6M. Among 23 Wyoming banks, First Federal Bank & Trust sits 3rd from the top on loan-to-deposit ratio, 88.01% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Federal Bank & Trust sits 7.18 points higher, at 88.01% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $485.7M |
| Net loans and leases | $479.1M |
| Loans held for sale | $2.6M |
| Loans to total assets | 78.21% |
| Loan-to-deposit ratio | 88.01% |
| Net loans to equity capital | 7.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.70% |
| Multifamily (5+ residential) | 4.50% |
| Commercial and industrial | 15.36% |
| Consumer | 1.52% |
| Credit cards | 0.00% |
| Farm | 0.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 258.47% |
| Construction concentration (Tier 1 capital + allowance) | 40.93% |
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 | $7.1M |
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 | $476.9M | $512.1M | 25.97% | 16.58% | 1.66% |
| Q4 2023 | $473.0M | $553.1M | 25.00% | 17.98% | 1.45% |
| Q1 2024 | $471.5M | $573.6M | 25.18% | 18.16% | 1.38% |
| Q2 2024 | $481.9M | $541.0M | 24.41% | 19.05% | 1.46% |
| Q3 2024 | $485.2M | $556.0M | 24.91% | 18.25% | 1.44% |
| Q4 2024 | $481.6M | $549.9M | 26.08% | 17.27% | 1.47% |
| Q1 2025 | $487.7M | $556.0M | 26.14% | 17.89% | 1.42% |
| Q2 2025 | $491.0M | $541.8M | 28.83% | 16.77% | 1.45% |
| Q3 2025 | $487.8M | $544.3M | 28.74% | 16.08% | 1.40% |
| Q4 2025 | $495.7M | $542.9M | 28.49% | 15.57% | 1.49% |
| Q1 2026 | $486.4M | $564.2M | 28.66% | 15.71% | 1.49% |
| Q2 2026 | $485.7M | $551.9M | 31.70% | 15.36% | 1.52% |
First Federal Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29537) · FFIEC NIC profile (RSSD 387671)