First Federal Savings and Loan Association of McMinnville: 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.
Cre concentration (tier 1 capital + allowance) climbed 9.72 percentage points in Q2 2026, from 116.13% to 125.84%. It was the largest change from Q1 2026 among the key lines here. Within Oregon, First Federal Savings and Loan Association of McMinnville is 9th of 12 on loan-to-deposit ratio, 73.73% as of Q2 2026, below the middle of the field. First Federal Savings and Loan Association of McMinnville reported 73.73% on loan-to-deposit ratio for Q2 2026, 7.11 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $426.3M |
| Net loans and leases | $421.9M |
| Loans held for sale | $0 |
| Loans to total assets | 62.81% |
| Loan-to-deposit ratio | 73.73% |
| Net loans to equity capital | 5.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.35% |
| Multifamily (5+ residential) | 12.98% |
| Commercial and industrial | 2.21% |
| Consumer | 0.09% |
| Credit cards | 0.00% |
| Farm | 0.46% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.85% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 125.84% |
| Construction concentration (Tier 1 capital + allowance) | 22.13% |
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 | 5.38% |
| Interest income on loans | $5.6M |
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 | $368.3M | $538.0M | 21.11% | 1.69% | 0.17% |
| Q4 2023 | $380.5M | $539.6M | 22.38% | 1.39% | 0.17% |
| Q1 2024 | $385.2M | $551.5M | 24.11% | 1.51% | 0.16% |
| Q2 2024 | $398.1M | $557.7M | 22.37% | 2.97% | 0.13% |
| Q3 2024 | $409.2M | $551.6M | 22.34% | 3.58% | 0.14% |
| Q4 2024 | $402.6M | $554.7M | 20.50% | 3.18% | 0.12% |
| Q1 2025 | $406.0M | $575.2M | 20.68% | 2.28% | 0.10% |
| Q2 2025 | $412.3M | $565.3M | 21.86% | 2.37% | 0.09% |
| Q3 2025 | $411.8M | $570.4M | 21.53% | 2.37% | 0.10% |
| Q4 2025 | $407.1M | $570.7M | 21.72% | 2.27% | 0.09% |
| Q1 2026 | $410.7M | $579.8M | 21.89% | 2.25% | 0.10% |
| Q2 2026 | $426.3M | $578.1M | 21.35% | 2.21% | 0.09% |
First Federal Savings and Loan Association of McMinnville 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 McMinnville, 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 McMinnville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29624) · FFIEC NIC profile (RSSD 90579)