First Jackson 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 CRE concentration (Tier 1 capital + allowance): 20.39 percentage points lower than in Q1 2026, at 185.50%. First Jackson Bank ranks 19th of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 85.68% (Q2 2026). First Jackson Bank reported 85.68% on loan-to-deposit ratio for Q2 2026, 5.13 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $307.8M |
| Net loans and leases | $304.5M |
| Loans held for sale | $0 |
| Loans to total assets | 69.29% |
| Loan-to-deposit ratio | 85.68% |
| Net loans to equity capital | 4.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.61% |
| Multifamily (5+ residential) | 0.05% |
| Commercial and industrial | 9.86% |
| Consumer | 3.53% |
| Credit cards | 0.00% |
| Farm | 3.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.98% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 185.50% |
| Construction concentration (Tier 1 capital + allowance) | 54.49% |
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 | 7.59% |
| Interest income on loans | $5.9M |
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 | $306.4M | $335.7M | 41.90% | 9.33% | 3.66% |
| Q4 2023 | $307.8M | $341.0M | 42.56% | 9.80% | 3.59% |
| Q1 2024 | $302.7M | $336.7M | 42.45% | 9.75% | 3.59% |
| Q2 2024 | $306.2M | $340.2M | 41.57% | 9.23% | 3.47% |
| Q3 2024 | $297.7M | $338.2M | 39.79% | 9.69% | 3.51% |
| Q4 2024 | $298.4M | $347.8M | 39.07% | 9.76% | 3.33% |
| Q1 2025 | $297.4M | $353.5M | 39.22% | 10.32% | 3.44% |
| Q2 2025 | $301.3M | $348.9M | 39.67% | 10.22% | 3.73% |
| Q3 2025 | $311.1M | $350.3M | 40.49% | 9.96% | 3.50% |
| Q4 2025 | $319.8M | $357.5M | 41.59% | 10.15% | 3.40% |
| Q1 2026 | $318.1M | $357.1M | 44.25% | 9.20% | 3.28% |
| Q2 2026 | $307.8M | $359.2M | 43.61% | 9.86% | 3.53% |
First Jackson Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Jackson 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 Jackson Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23376) · FFIEC NIC profile (RSSD 248633)