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.
Loans held for sale dropped 79.1% in Q2 2026, from $1.1M to $225K. It was the largest change from Q1 2026 among the key lines here. First National Bank ranks 43rd of 56 Virginia banks on loan-to-deposit ratio, in the lower half at 71.80% (Q2 2026). First National Bank reported 71.80% on loan-to-deposit ratio for Q2 2026, 16.40 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $747.9M |
| Net loans and leases | $742.6M |
| Loans held for sale | $225K |
| Loans to total assets | 65.64% |
| Loan-to-deposit ratio | 71.80% |
| Net loans to equity capital | 8.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.79% |
| Multifamily (5+ residential) | 6.44% |
| Commercial and industrial | 11.79% |
| Consumer | 17.90% |
| Credit cards | 0.00% |
| Farm | 0.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.72% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 183.39% |
| Construction concentration (Tier 1 capital + allowance) | 27.20% |
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 | $11.1M |
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 | $623.6M | $918.3M | 31.53% | 14.20% | 20.47% |
| Q4 2023 | $640.8M | $932.5M | 31.35% | 13.87% | 20.69% |
| Q1 2024 | $650.9M | $915.0M | 30.72% | 13.94% | 20.85% |
| Q2 2024 | $669.4M | $910.3M | 30.08% | 14.12% | 20.46% |
| Q3 2024 | $678.1M | $921.4M | 30.53% | 13.76% | 19.83% |
| Q4 2024 | $711.1M | $950.9M | 31.28% | 13.78% | 18.23% |
| Q1 2025 | $719.6M | $940.7M | 31.29% | 12.94% | 18.46% |
| Q2 2025 | $725.6M | $939.8M | 31.01% | 12.43% | 18.41% |
| Q3 2025 | $729.4M | $938.1M | 30.89% | 12.10% | 17.88% |
| Q4 2025 | $739.4M | $971.3M | 32.15% | 12.05% | 18.05% |
| Q1 2026 | $740.9M | $998.5M | 30.87% | 12.73% | 17.92% |
| Q2 2026 | $747.9M | $1.04B | 30.79% | 11.79% | 17.90% |
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 6811) · FFIEC NIC profile (RSSD 979629)