First Metro 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 1.99 percentage points in Q2 2026, from 163.70% to 165.69%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, First Metro Bank is 51st of 93 on loan-to-deposit ratio, 67.10% as of Q2 2026, below the middle of the field. First Metro Bank reported 67.10% on loan-to-deposit ratio for Q2 2026, 21.10 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $599.7M |
| Net loans and leases | $593.8M |
| Loans held for sale | $0 |
| Loans to total assets | 59.24% |
| Loan-to-deposit ratio | 67.10% |
| Net loans to equity capital | 5.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.17% |
| Multifamily (5+ residential) | 11.71% |
| Commercial and industrial | 11.31% |
| Consumer | 2.67% |
| Credit cards | 0.32% |
| Farm | 1.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.28% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 165.69% |
| Construction concentration (Tier 1 capital + allowance) | 59.97% |
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 | 6.64% |
| Interest income on loans | $9.9M |
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 | $524.5M | $833.6M | 31.09% | 12.96% | 3.38% |
| Q4 2023 | $539.5M | $850.3M | 31.00% | 11.99% | 3.27% |
| Q1 2024 | $553.6M | $859.7M | 29.89% | 11.84% | 3.01% |
| Q2 2024 | $563.9M | $854.3M | 30.19% | 11.58% | 3.01% |
| Q3 2024 | $574.5M | $884.7M | 29.84% | 11.00% | 2.88% |
| Q4 2024 | $569.7M | $888.6M | 29.72% | 11.11% | 2.79% |
| Q1 2025 | $566.6M | $897.6M | 23.81% | 11.59% | 2.85% |
| Q2 2025 | $562.9M | $893.9M | 25.05% | 11.65% | 2.89% |
| Q3 2025 | $581.3M | $883.5M | 26.53% | 11.39% | 2.83% |
| Q4 2025 | $587.5M | $893.4M | 26.53% | 11.33% | 2.67% |
| Q1 2026 | $591.2M | $895.0M | 25.93% | 10.49% | 2.75% |
| Q2 2026 | $599.7M | $893.7M | 26.17% | 11.31% | 2.67% |
First Metro Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Metro 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 Metro Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27381) · FFIEC NIC profile (RSSD 1222519)