First Federal Savings Bank of Lincolnton: 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): 1.37 percentage points lower than in Q1 2026, at 19.56%. First Federal Savings Bank of Lincolnton ranks 12th of 38 North Carolina banks on loan-to-deposit ratio, in the upper half at 90.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Federal Savings Bank of Lincolnton sits 9.85 points higher, at 90.69% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $354.0M |
| Net loans and leases | $350.5M |
| Loans held for sale | $0 |
| Loans to total assets | 72.88% |
| Loan-to-deposit ratio | 90.69% |
| Net loans to equity capital | 4.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.23% |
| Multifamily (5+ residential) | 0.76% |
| Commercial and industrial | 0.91% |
| Consumer | 0.25% |
| 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) | 27.28% |
| Construction concentration (Tier 1 capital + allowance) | 19.56% |
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 | 5.39% |
| Interest income on loans | $4.7M |
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 | $311.9M | $358.6M | 8.81% | 0.99% | 0.63% |
| Q4 2023 | $320.1M | $358.2M | 8.11% | 0.86% | 0.59% |
| Q1 2024 | $327.1M | $369.2M | 7.90% | 0.83% | 0.53% |
| Q2 2024 | $329.8M | $376.4M | 8.01% | 0.79% | 0.53% |
| Q3 2024 | $335.9M | $366.6M | 7.66% | 0.78% | 0.46% |
| Q4 2024 | $340.4M | $376.3M | 7.50% | 0.73% | 0.43% |
| Q1 2025 | $343.5M | $384.8M | 7.74% | 0.71% | 0.39% |
| Q2 2025 | $349.4M | $394.5M | 7.90% | 0.73% | 0.35% |
| Q3 2025 | $349.4M | $379.6M | 8.00% | 0.53% | 0.34% |
| Q4 2025 | $351.4M | $383.1M | 7.59% | 0.51% | 0.31% |
| Q1 2026 | $349.6M | $383.8M | 7.22% | 0.62% | 0.26% |
| Q2 2026 | $354.0M | $390.3M | 7.23% | 0.91% | 0.25% |
First Federal Savings Bank of Lincolnton loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings Bank of Lincolnton, 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 of Lincolnton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30315) · FFIEC NIC profile (RSSD 42372)