First Federal Savings and Loan Association: 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.
Construction concentration (tier 1 capital + allowance) dropped 12.10 percentage points in Q2 2026, from 32.77% to 20.67%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First Federal Savings and Loan Association ranks 3rd highest among the 120 banks headquartered in Kentucky, at 121.63% (Q2 2026). Against a median of 67.62% for banks in the < $100M asset tier, First Federal Savings and Loan Association reported 121.63% on loan-to-deposit ratio in Q2 2026, 54.01 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $36.9M |
| Net loans and leases | $36.4M |
| Loans held for sale | $0 |
| Loans to total assets | 89.25% |
| Loan-to-deposit ratio | 121.63% |
| Net loans to equity capital | 3.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.70% |
| Multifamily (5+ residential) | 8.77% |
| Commercial and industrial | 11.35% |
| Consumer | 1.47% |
| Credit cards | 0.00% |
| Farm | 3.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 61.19% |
| Construction concentration (Tier 1 capital + allowance) | 20.67% |
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 | 6.45% |
| Interest income on loans | $595K |
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 | $34.2M | $25.8M | 4.44% | 12.13% | 1.62% |
| Q4 2023 | $35.3M | $26.3M | 4.24% | 11.93% | 1.74% |
| Q1 2024 | $35.7M | $26.3M | 5.16% | 12.49% | 1.67% |
| Q2 2024 | $36.5M | $26.9M | 4.97% | 12.14% | 1.87% |
| Q3 2024 | $34.9M | $27.4M | 5.12% | 13.18% | 1.55% |
| Q4 2024 | $35.8M | $28.5M | 5.39% | 13.80% | 1.62% |
| Q1 2025 | $35.9M | $27.7M | 5.31% | 13.76% | 1.44% |
| Q2 2025 | $36.0M | $28.3M | 5.17% | 13.74% | 1.48% |
| Q3 2025 | $36.8M | $29.0M | 4.95% | 13.58% | 1.53% |
| Q4 2025 | $36.7M | $29.6M | 4.88% | 13.30% | 1.67% |
| Q1 2026 | $37.0M | $29.9M | 4.75% | 12.93% | 1.65% |
| Q2 2026 | $36.9M | $30.3M | 4.70% | 11.35% | 1.47% |
First Federal Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings and Loan Association, 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 Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31409) · FFIEC NIC profile (RSSD 411174)