First National 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.
State and political subdivisions dropped 1.83 percentage points in Q2 2026, from 6.62% to 4.79%. It was the largest change from Q1 2026 among the key lines here. First National Bank ranks 77th of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 48.06% (Q2 2026). First National Bank reported 48.06% on loan-to-deposit ratio for Q2 2026, 32.49 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $146.8M |
| Net loans and leases | $144.7M |
| Loans held for sale | $0 |
| Loans to total assets | 39.40% |
| Loan-to-deposit ratio | 48.06% |
| Net loans to equity capital | 2.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.05% |
| Multifamily (5+ residential) | 0.35% |
| Commercial and industrial | 15.54% |
| Consumer | 16.36% |
| Credit cards | 0.00% |
| Farm | 0.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.79% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 25.07% |
| Construction concentration (Tier 1 capital + allowance) | 12.09% |
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 | 7.67% |
| Interest income on loans | $2.8M |
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 | $136.5M | $321.4M | 17.23% | 16.13% | 19.02% |
| Q4 2023 | $146.6M | $318.6M | 15.99% | 18.06% | 17.74% |
| Q1 2024 | $144.2M | $312.0M | 15.92% | 18.58% | 17.93% |
| Q2 2024 | $142.1M | $297.6M | 17.05% | 17.63% | 18.60% |
| Q3 2024 | $142.9M | $295.2M | 16.65% | 18.03% | 19.10% |
| Q4 2024 | $148.8M | $299.6M | 15.13% | 19.24% | 18.47% |
| Q1 2025 | $155.4M | $304.7M | 17.92% | 20.14% | 17.45% |
| Q2 2025 | $155.4M | $297.9M | 18.28% | 19.64% | 17.57% |
| Q3 2025 | $146.4M | $297.9M | 23.06% | 12.32% | 18.38% |
| Q4 2025 | $151.6M | $303.1M | 22.40% | 14.47% | 17.20% |
| Q1 2026 | $148.9M | $306.4M | 21.51% | 14.64% | 16.77% |
| Q2 2026 | $146.8M | $305.5M | 22.05% | 15.54% | 16.36% |
First National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22271) · FFIEC NIC profile (RSSD 330239)