First Federal Community Bank, N.A.: 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: 5.34 percentage points lower than in Q1 2026, at 84.86%. Within Ohio, First Federal Community Bank, N.A. is 67th of 156 on loan-to-deposit ratio, 84.86% as of Q2 2026, above the middle of the field. First Federal Community Bank, N.A. reported 84.86% on loan-to-deposit ratio for Q2 2026, 4.02 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $761.4M |
| Net loans and leases | $753.8M |
| Loans held for sale | $571K |
| Loans to total assets | 76.55% |
| Loan-to-deposit ratio | 84.86% |
| Net loans to equity capital | 8.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.35% |
| Multifamily (5+ residential) | 3.50% |
| Commercial and industrial | 8.25% |
| Consumer | 0.74% |
| Credit cards | 0.00% |
| Farm | 15.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 100.88% |
| Construction concentration (Tier 1 capital + allowance) | 21.82% |
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 | 6.30% |
| Interest income on loans | $11.8M |
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 | $575.3M | $669.4M | 32.34% | 8.65% | 1.24% |
| Q4 2023 | $580.8M | $682.5M | 31.78% | 8.81% | 1.25% |
| Q1 2024 | $601.2M | $705.5M | 32.27% | 9.53% | 1.16% |
| Q2 2024 | $603.3M | $711.7M | 32.19% | 9.00% | 1.10% |
| Q3 2024 | $621.9M | $746.7M | 31.20% | 8.63% | 1.10% |
| Q4 2024 | $626.6M | $764.9M | 31.50% | 8.60% | 1.04% |
| Q1 2025 | $648.7M | $757.3M | 30.02% | 9.14% | 1.00% |
| Q2 2025 | $668.3M | $765.4M | 29.14% | 9.09% | 0.95% |
| Q3 2025 | $692.9M | $782.8M | 27.98% | 8.74% | 0.86% |
| Q4 2025 | $713.2M | $785.4M | 27.51% | 8.27% | 0.86% |
| Q1 2026 | $743.4M | $824.1M | 28.12% | 8.39% | 0.81% |
| Q2 2026 | $761.4M | $897.2M | 27.35% | 8.25% | 0.74% |
First Federal Community Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Community Bank, N.A., 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 Community Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29787) · FFIEC NIC profile (RSSD 540775)