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 CRE concentration (Tier 1 capital + allowance): 13.69 percentage points lower than in Q1 2026, at 53.70%. As of Q2 2026, First Federal Savings and Loan Association ranks first in Kentucky on loan-to-deposit ratio among 120 banks, at 130.08%. Against a median of 67.62% for banks in the < $100M asset tier, First Federal Savings and Loan Association reported 130.08% on loan-to-deposit ratio in Q2 2026, 62.45 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $73.6M |
| Net loans and leases | $73.1M |
| Loans held for sale | $0 |
| Loans to total assets | 90.58% |
| Loan-to-deposit ratio | 130.08% |
| Net loans to equity capital | 4.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.25% |
| Multifamily (5+ residential) | 6.20% |
| 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) | 53.70% |
| Construction concentration (Tier 1 capital + allowance) | 3.26% |
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 | 5.65% |
| Interest income on loans | $1.1M |
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 | $81.0M | $57.6M | 9.32% | 0.00% | 0.99% |
| Q4 2023 | $81.0M | $56.6M | 9.22% | 0.00% | 0.93% |
| Q1 2024 | $80.2M | $47.4M | 9.24% | 0.00% | 0.93% |
| Q2 2024 | $81.6M | $54.4M | 11.14% | 0.00% | 0.89% |
| Q3 2024 | $80.8M | $55.1M | 11.37% | 0.00% | 0.89% |
| Q4 2024 | $79.9M | $55.3M | 11.46% | 0.00% | 0.88% |
| Q1 2025 | $78.5M | $56.5M | 11.48% | 0.00% | 0.86% |
| Q2 2025 | $77.7M | $59.5M | 11.45% | 0.00% | 0.85% |
| Q3 2025 | $76.7M | $57.2M | 11.21% | 0.00% | 0.63% |
| Q4 2025 | $78.9M | $60.1M | 11.76% | 0.00% | 0.57% |
| Q1 2026 | $78.3M | $61.0M | 11.70% | 0.00% | 0.87% |
| Q2 2026 | $73.6M | $56.6M | 12.25% | 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 31197) · FFIEC NIC profile (RSSD 831875)