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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.33 percentage points higher than in Q1 2026, at 257.52%. Within New Mexico, First National Bank is 22nd of 29 on loan-to-deposit ratio, 51.62% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank sits 29.22 points lower, at 51.62% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $219.6M |
| Net loans and leases | $215.6M |
| Loans held for sale | $189K |
| Loans to total assets | 48.49% |
| Loan-to-deposit ratio | 51.62% |
| Net loans to equity capital | 8.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 53.90% |
| Multifamily (5+ residential) | 0.60% |
| Commercial and industrial | 6.33% |
| Consumer | 18.17% |
| Credit cards | 0.13% |
| Farm | 0.62% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 257.52% |
| Construction concentration (Tier 1 capital + allowance) | 38.61% |
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 | — |
| Interest income on loans | $3.6M |
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 | $203.0M | $418.9M | 52.77% | 4.99% | 22.80% |
| Q4 2023 | $203.7M | $437.5M | 52.09% | 4.76% | 22.89% |
| Q1 2024 | $210.1M | $418.7M | 51.45% | 4.93% | 22.93% |
| Q2 2024 | $207.6M | $445.2M | 51.79% | 4.91% | 22.07% |
| Q3 2024 | $209.2M | $463.1M | 50.84% | 5.41% | 22.66% |
| Q4 2024 | $211.9M | $456.9M | 51.40% | 5.49% | 22.01% |
| Q1 2025 | $213.6M | $444.5M | 50.50% | 5.80% | 21.88% |
| Q2 2025 | $214.7M | $436.9M | 52.68% | 5.84% | 20.31% |
| Q3 2025 | $215.8M | $431.7M | 52.57% | 6.18% | 19.65% |
| Q4 2025 | $221.6M | $442.2M | 53.25% | 6.39% | 18.87% |
| Q1 2026 | $219.5M | $436.3M | 53.06% | 6.25% | 19.11% |
| Q2 2026 | $219.6M | $425.4M | 53.90% | 6.33% | 18.17% |
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 17643) · FFIEC NIC profile (RSSD 823450)