First Federal Savings and Loan Association of Bath: 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 3.06 percentage points in Q2 2026, from 14.29% to 11.23%. It was the largest change from Q1 2026 among the key lines here. First Federal Savings and Loan Association of Bath ranks 13th of 22 Maine banks on loan-to-deposit ratio, in the lower half at 102.86% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Federal Savings and Loan Association of Bath sits 22.03 points higher, at 102.86% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $148.5M |
| Net loans and leases | $146.6M |
| Loans held for sale | $0 |
| Loans to total assets | 78.53% |
| Loan-to-deposit ratio | 102.86% |
| Net loans to equity capital | 5.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.12% |
| Multifamily (5+ residential) | 0.33% |
| Commercial and industrial | 0.86% |
| Consumer | 0.76% |
| 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) | 18.69% |
| Construction concentration (Tier 1 capital + allowance) | 11.23% |
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 | 5.33% |
| Interest income on loans | $2.0M |
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 | $132.4M | $148.2M | 6.17% | 1.44% | 1.13% |
| Q4 2023 | $135.0M | $140.3M | 6.90% | 1.25% | 1.11% |
| Q1 2024 | $135.5M | $137.1M | 6.48% | 1.07% | 1.16% |
| Q2 2024 | $138.6M | $137.0M | 6.51% | 1.03% | 1.28% |
| Q3 2024 | $139.7M | $140.8M | 6.39% | 1.17% | 1.28% |
| Q4 2024 | $143.3M | $141.5M | 6.16% | 1.09% | 1.36% |
| Q1 2025 | $144.6M | $143.8M | 6.08% | 1.13% | 1.19% |
| Q2 2025 | $146.9M | $139.7M | 5.90% | 1.13% | 1.10% |
| Q3 2025 | $148.4M | $145.3M | 5.90% | 1.11% | 1.02% |
| Q4 2025 | $148.6M | $139.7M | 5.80% | 1.08% | 0.96% |
| Q1 2026 | $148.8M | $143.4M | 6.00% | 0.95% | 0.85% |
| Q2 2026 | $148.5M | $144.4M | 6.12% | 0.86% | 0.76% |
First Federal Savings and Loan Association of Bath 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 of Bath, 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 of Bath profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29636) · FFIEC NIC profile (RSSD 583071)