First Federal Savings Bank: 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 Construction concentration (Tier 1 capital + allowance): 10.99 percentage points higher than in Q1 2026, at 77.30%. On loan-to-deposit ratio, First Federal Savings Bank ranks 3rd highest among the 87 banks headquartered in Indiana, at 109.91% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First Federal Savings Bank sits 28.96 points higher, at 109.91% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $594.0M |
| Net loans and leases | $587.9M |
| Loans held for sale | $11.7M |
| Loans to total assets | 86.51% |
| Loan-to-deposit ratio | 109.91% |
| Net loans to equity capital | 9.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.19% |
| Multifamily (5+ residential) | 2.97% |
| Commercial and industrial | 2.25% |
| Consumer | 0.17% |
| Credit cards | 0.00% |
| Farm | 1.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 173.03% |
| Construction concentration (Tier 1 capital + allowance) | 77.30% |
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 | 5.62% |
| Interest income on loans | $8.3M |
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 | $531.9M | $481.2M | 7.74% | 2.15% | 0.14% |
| Q4 2023 | $536.9M | $501.0M | 7.90% | 2.34% | 0.16% |
| Q1 2024 | $545.7M | $521.3M | 7.78% | 2.27% | 0.13% |
| Q2 2024 | $557.1M | $493.9M | 7.84% | 2.15% | 0.15% |
| Q3 2024 | $566.3M | $528.8M | 7.37% | 2.06% | 0.13% |
| Q4 2024 | $568.9M | $529.7M | 7.54% | 1.98% | 0.12% |
| Q1 2025 | $541.1M | $502.4M | 8.71% | 1.98% | 0.09% |
| Q2 2025 | $562.3M | $477.0M | 8.79% | 1.83% | 0.09% |
| Q3 2025 | $571.1M | $489.0M | 8.66% | 1.69% | 0.06% |
| Q4 2025 | $582.8M | $535.4M | 9.22% | 1.58% | 0.09% |
| Q1 2026 | $592.2M | $555.4M | 9.13% | 2.34% | 0.05% |
| Q2 2026 | $594.0M | $540.4M | 9.19% | 2.25% | 0.17% |
First Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings Bank, 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 Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31516) · FFIEC NIC profile (RSSD 257578)