First Freedom 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): 7.75 percentage points higher than in Q1 2026, at 97.93%. Within Tennessee, First Freedom Bank is 16th of 109 on loan-to-deposit ratio, 96.85% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Freedom Bank sits 16.01 points higher, at 96.85% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $687.7M |
| Net loans and leases | $680.0M |
| Loans held for sale | $0 |
| Loans to total assets | 84.09% |
| Loan-to-deposit ratio | 96.85% |
| Net loans to equity capital | 6.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.42% |
| Multifamily (5+ residential) | 1.11% |
| Commercial and industrial | 17.48% |
| Consumer | 4.12% |
| Credit cards | 0.00% |
| Farm | 0.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 328.09% |
| Construction concentration (Tier 1 capital + allowance) | 97.93% |
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 | 6.79% |
| Interest income on loans | $11.5M |
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 | $519.1M | $551.9M | 35.68% | 18.86% | 6.00% |
| Q4 2023 | $533.1M | $587.3M | 33.78% | 18.95% | 6.68% |
| Q1 2024 | $552.7M | $598.2M | 36.13% | 19.42% | 6.19% |
| Q2 2024 | $575.4M | $607.9M | 35.20% | 20.40% | 5.89% |
| Q3 2024 | $590.5M | $648.3M | 38.14% | 20.67% | 5.53% |
| Q4 2024 | $594.9M | $682.3M | 40.77% | 19.90% | 5.28% |
| Q1 2025 | $594.7M | $680.1M | 40.09% | 20.61% | 5.16% |
| Q2 2025 | $617.0M | $669.7M | 40.70% | 19.49% | 4.87% |
| Q3 2025 | $617.3M | $623.1M | 39.67% | 18.80% | 4.86% |
| Q4 2025 | $649.2M | $666.1M | 39.65% | 18.01% | 4.60% |
| Q1 2026 | $654.5M | $676.7M | 38.95% | 17.95% | 4.51% |
| Q2 2026 | $687.7M | $710.0M | 39.42% | 17.48% | 4.12% |
First Freedom Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Freedom 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 Freedom Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58208) · FFIEC NIC profile (RSSD 3437148)