First National Bank and Trust: 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 Loan-to-deposit ratio: 3.39 percentage points higher than in Q1 2026, at 68.72%. First National Bank and Trust ranks 48th of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 68.72% (Q2 2026). First National Bank and Trust reported 68.72% on loan-to-deposit ratio for Q2 2026, 12.11 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $150.4M |
| Net loans and leases | $148.3M |
| Loans held for sale | $0 |
| Loans to total assets | 63.04% |
| Loan-to-deposit ratio | 68.72% |
| Net loans to equity capital | 7.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.04% |
| Multifamily (5+ residential) | 3.94% |
| Commercial and industrial | 16.29% |
| Consumer | 5.22% |
| Credit cards | 0.00% |
| Farm | 3.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.66% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 114.34% |
| Construction concentration (Tier 1 capital + allowance) | 46.54% |
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 | 6.48% |
| Interest income on loans | $2.4M |
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 | $135.1M | $200.3M | 25.78% | 17.07% | 5.94% |
| Q4 2023 | $139.2M | $194.0M | 26.61% | 17.37% | 5.91% |
| Q1 2024 | $134.5M | $199.1M | 28.64% | 18.95% | 6.02% |
| Q2 2024 | $137.0M | $198.3M | 29.18% | 18.89% | 6.02% |
| Q3 2024 | $138.8M | $203.4M | 28.35% | 19.01% | 5.96% |
| Q4 2024 | $137.9M | $202.4M | 28.48% | 18.98% | 6.10% |
| Q1 2025 | $142.1M | $211.4M | 27.29% | 19.59% | 5.76% |
| Q2 2025 | $141.8M | $209.5M | 25.17% | 19.02% | 5.84% |
| Q3 2025 | $144.9M | $210.9M | 24.89% | 16.61% | 5.60% |
| Q4 2025 | $144.4M | $220.4M | 24.32% | 17.00% | 5.34% |
| Q1 2026 | $146.6M | $224.3M | 24.51% | 16.04% | 5.32% |
| Q2 2026 | $150.4M | $218.9M | 24.04% | 16.29% | 5.22% |
First National Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank and Trust, 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 and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2779) · FFIEC NIC profile (RSSD 670430)