First Federal Community Bank, SSB: 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 Construction concentration (Tier 1 capital + allowance): 10.39 percentage points lower than in Q1 2026, at 23.48%. First Federal Community Bank, SSB ranks 47th of 346 Texas banks on loan-to-deposit ratio, in the upper half at 91.02% (Q2 2026). First Federal Community Bank, SSB reported 91.02% on loan-to-deposit ratio for Q2 2026, 10.18 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $473.6M |
| Net loans and leases | $467.5M |
| Loans held for sale | $0 |
| Loans to total assets | 78.46% |
| Loan-to-deposit ratio | 91.02% |
| Net loans to equity capital | 5.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.39% |
| Multifamily (5+ residential) | 1.65% |
| Commercial and industrial | 9.48% |
| Consumer | 2.27% |
| Credit cards | 0.00% |
| Farm | 10.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 79.39% |
| Construction concentration (Tier 1 capital + allowance) | 23.48% |
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 | 6.42% |
| Interest income on loans | $7.5M |
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 | $450.9M | $488.1M | 15.56% | 10.16% | 2.94% |
| Q4 2023 | $464.7M | $482.8M | 14.61% | 10.45% | 2.87% |
| Q1 2024 | $464.2M | $490.8M | 16.44% | 10.58% | 2.75% |
| Q2 2024 | $462.3M | $487.8M | 16.83% | 10.37% | 3.20% |
| Q3 2024 | $459.4M | $490.3M | 17.14% | 10.16% | 2.78% |
| Q4 2024 | $468.8M | $488.4M | 16.94% | 10.56% | 2.63% |
| Q1 2025 | $470.9M | $513.2M | 16.95% | 10.03% | 2.60% |
| Q2 2025 | $474.9M | $509.1M | 17.20% | 9.96% | 2.44% |
| Q3 2025 | $479.5M | $513.9M | 17.20% | 10.13% | 2.40% |
| Q4 2025 | $480.2M | $526.1M | 17.47% | 9.19% | 2.37% |
| Q1 2026 | $470.6M | $534.3M | 16.68% | 9.56% | 2.28% |
| Q2 2026 | $473.6M | $520.4M | 18.39% | 9.48% | 2.27% |
First Federal Community Bank, SSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Community Bank, SSB, 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, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27678) · FFIEC NIC profile (RSSD 898579)