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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.04 percentage points higher than in Q1 2026, at 83.87%. Within West Virginia, First Federal Savings and Loan Association is 19th of 41 on loan-to-deposit ratio, 83.87% as of Q2 2026, above the middle of the field. First Federal Savings and Loan Association reported 83.87% on loan-to-deposit ratio for Q2 2026, 16.25 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $19.7M |
| Net loans and leases | $19.6M |
| Loans held for sale | $0 |
| Loans to total assets | 74.87% |
| Loan-to-deposit ratio | 83.87% |
| Net loans to equity capital | 7.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.86% |
| Multifamily (5+ residential) | 1.36% |
| Commercial and industrial | 0.00% |
| Consumer | 0.57% |
| 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) | 34.17% |
| Construction concentration (Tier 1 capital + allowance) | 11.91% |
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 | 5.54% |
| Interest income on loans | $273K |
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 | $20.0M | $21.3M | 8.00% | 0.00% | 0.44% |
| Q4 2023 | $19.7M | $21.6M | 8.04% | 0.00% | 0.42% |
| Q1 2024 | $20.0M | $21.9M | 8.37% | 0.00% | 0.37% |
| Q2 2024 | $20.7M | $22.0M | 8.04% | 0.00% | 0.35% |
| Q3 2024 | $20.2M | $21.7M | 8.14% | 0.00% | 0.31% |
| Q4 2024 | $19.8M | $22.3M | 8.21% | 0.00% | 0.32% |
| Q1 2025 | $19.7M | $22.4M | 8.16% | 0.00% | 0.32% |
| Q2 2025 | $19.8M | $22.9M | 8.02% | 0.00% | 0.32% |
| Q3 2025 | $19.9M | $23.4M | 8.40% | 0.00% | 0.31% |
| Q4 2025 | $20.3M | $24.2M | 8.16% | 0.00% | 0.57% |
| Q1 2026 | $19.8M | $24.2M | 8.58% | 0.00% | 0.57% |
| Q2 2026 | $19.7M | $23.5M | 8.86% | 0.00% | 0.57% |
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 29490) · FFIEC NIC profile (RSSD 441470)