First Federal Savings & Loan Association of Pascagoula-Moss Point: 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) dropped 8.17 percentage points in Q2 2026, from 32.64% to 24.46%. It was the largest change from Q1 2026 among the key lines here. As of Q2 2026, First Federal Savings & Loan Association of Pascagoula-Moss Point ranks first in Mississippi on loan-to-deposit ratio among 57 banks, at 111.54%. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Federal Savings & Loan Association of Pascagoula-Moss Point sits 30.70 points higher, at 111.54% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $308.0M |
| Net loans and leases | $306.7M |
| Loans held for sale | $0 |
| Loans to total assets | 80.75% |
| Loan-to-deposit ratio | 111.54% |
| Net loans to equity capital | 8.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.09% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 0.55% |
| 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) | 24.46% |
| Construction concentration (Tier 1 capital + allowance) | 24.46% |
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 | 5.52% |
| Interest income on loans | $4.3M |
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 | $291.4M | $225.7M | 0.09% | 0.00% | 0.29% |
| Q4 2023 | $298.1M | $220.1M | 0.08% | 0.00% | 0.28% |
| Q1 2024 | $304.8M | $223.7M | 0.07% | 0.00% | 0.35% |
| Q2 2024 | $311.6M | $225.0M | 0.07% | 0.00% | 0.34% |
| Q3 2024 | $312.4M | $234.3M | 0.07% | 0.00% | 0.59% |
| Q4 2024 | $314.4M | $236.6M | 0.07% | 0.00% | 0.89% |
| Q1 2025 | $314.1M | $241.8M | 0.07% | 0.00% | 0.83% |
| Q2 2025 | $317.3M | $247.2M | 0.09% | 0.00% | 0.73% |
| Q3 2025 | $320.0M | $249.5M | 0.09% | 0.00% | 0.73% |
| Q4 2025 | $314.6M | $247.3M | 0.09% | 0.00% | 0.59% |
| Q1 2026 | $308.8M | $270.9M | 0.09% | 0.00% | 0.62% |
| Q2 2026 | $308.0M | $276.2M | 0.09% | 0.00% | 0.55% |
First Federal Savings & Loan Association of Pascagoula-Moss Point loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings & Loan Association of Pascagoula-Moss Point, 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 & Loan Association of Pascagoula-Moss Point profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30812) · FFIEC NIC profile (RSSD 90177)