First General 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.
CRE concentration (Tier 1 capital + allowance) climbed 8.87 percentage points in Q2 2026, from 189.00% to 197.87%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First General Bank ranks 9th highest among the 114 banks headquartered in California, at 112.71% (Q2 2026). First General Bank reported 112.71% on loan-to-deposit ratio for Q2 2026, 24.50 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $944.2M |
| Net loans and leases | $931.1M |
| Loans held for sale | $0 |
| Loans to total assets | 80.37% |
| Loan-to-deposit ratio | 112.71% |
| Net loans to equity capital | 3.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 61.86% |
| Multifamily (5+ residential) | 18.54% |
| Commercial and industrial | 3.41% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 5.30% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 197.87% |
| Construction concentration (Tier 1 capital + allowance) | 21.55% |
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 | 7.46% |
| Interest income on loans | $17.3M |
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 | $926.9M | $853.3M | 66.04% | 2.93% | 0.00% |
| Q4 2023 | $895.6M | $834.1M | 65.84% | 3.37% | 0.00% |
| Q1 2024 | $864.5M | $828.8M | 66.50% | 3.24% | 0.00% |
| Q2 2024 | $842.0M | $832.9M | 67.57% | 3.16% | 0.00% |
| Q3 2024 | $845.3M | $851.9M | 66.71% | 3.06% | 0.00% |
| Q4 2024 | $849.0M | $847.4M | 65.48% | 3.15% | 0.00% |
| Q1 2025 | $892.8M | $836.1M | 67.36% | 3.75% | 0.00% |
| Q2 2025 | $929.8M | $824.0M | 63.93% | 4.29% | 0.00% |
| Q3 2025 | $912.5M | $822.9M | 65.60% | 4.53% | 0.00% |
| Q4 2025 | $920.8M | $806.1M | 61.65% | 3.95% | 0.00% |
| Q1 2026 | $930.0M | $811.9M | 60.19% | 3.58% | 0.00% |
| Q2 2026 | $944.2M | $837.8M | 61.86% | 3.41% | 0.00% |
First General Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First General 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 General Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58060) · FFIEC NIC profile (RSSD 3386264)