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 Loans held for sale: 138.7% higher than in Q1 2026, at $2.9M. Within Indiana, First Federal Savings Bank is 28th of 87 on loan-to-deposit ratio, 90.81% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First Federal Savings Bank sits 9.87 points higher, at 90.81% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $429.4M |
| Net loans and leases | $424.4M |
| Loans held for sale | $2.9M |
| Loans to total assets | 74.60% |
| Loan-to-deposit ratio | 90.81% |
| Net loans to equity capital | 7.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.74% |
| Multifamily (5+ residential) | 3.99% |
| Commercial and industrial | 15.96% |
| Consumer | 1.23% |
| Credit cards | 0.00% |
| Farm | 1.55% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 122.08% |
| Construction concentration (Tier 1 capital + allowance) | 40.88% |
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 | 6.09% |
| Interest income on loans | $6.5M |
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 | $472.6M | $495.8M | 20.62% | 21.92% | 1.06% |
| Q4 2023 | $479.7M | $491.1M | 20.17% | 22.09% | 1.01% |
| Q1 2024 | $476.0M | $473.1M | 20.23% | 19.52% | 0.97% |
| Q2 2024 | $480.5M | $468.7M | 18.81% | 19.33% | 0.93% |
| Q3 2024 | $483.3M | $473.8M | 18.21% | 20.77% | 0.95% |
| Q4 2024 | $471.5M | $470.3M | 18.00% | 20.03% | 0.91% |
| Q1 2025 | $455.5M | $484.3M | 18.40% | 17.74% | 0.87% |
| Q2 2025 | $451.3M | $491.6M | 18.20% | 18.31% | 0.82% |
| Q3 2025 | $453.4M | $492.4M | 19.46% | 18.88% | 0.73% |
| Q4 2025 | $454.1M | $487.6M | 19.63% | 19.29% | 0.69% |
| Q1 2026 | $431.6M | $458.0M | 20.40% | 16.23% | 0.64% |
| Q2 2026 | $429.4M | $472.8M | 20.74% | 15.96% | 1.23% |
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 29056) · FFIEC NIC profile (RSSD 613679)