First National Bank of Absecon: 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.
Loan-to-deposit ratio dropped 2.39 percentage points in Q2 2026, from 71.88% to 69.49%. It was the largest change from Q1 2026 among the key lines here. First National Bank of Absecon ranks 37th of 49 New Jersey banks on loan-to-deposit ratio, in the lower half at 69.49% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank of Absecon sits 11.35 points lower, at 69.49% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $122.2M |
| Net loans and leases | $121.1M |
| Loans held for sale | $0 |
| Loans to total assets | 62.66% |
| Loan-to-deposit ratio | 69.49% |
| Net loans to equity capital | 6.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.18% |
| Multifamily (5+ residential) | 0.66% |
| Commercial and industrial | 4.62% |
| Consumer | 0.06% |
| Credit cards | 0.00% |
| Farm | 0.37% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 68.82% |
| Construction concentration (Tier 1 capital + allowance) | 8.93% |
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 | $1.7M |
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 | $113.6M | $169.7M | 29.50% | 7.33% | 0.11% |
| Q4 2023 | $112.0M | $170.0M | 29.33% | 8.04% | 0.07% |
| Q1 2024 | $107.6M | $170.5M | 27.60% | 7.95% | 0.08% |
| Q2 2024 | $109.1M | $164.9M | 27.09% | 7.50% | 0.08% |
| Q3 2024 | $109.1M | $164.5M | 26.73% | 8.30% | 0.07% |
| Q4 2024 | $118.4M | $177.3M | 28.41% | 7.49% | 0.05% |
| Q1 2025 | $120.8M | $178.4M | 27.29% | 7.44% | 0.05% |
| Q2 2025 | $123.3M | $178.1M | 26.33% | 6.48% | 0.05% |
| Q3 2025 | $120.5M | $175.5M | 29.81% | 6.43% | 0.04% |
| Q4 2025 | $126.1M | $177.5M | 29.08% | 6.52% | 0.07% |
| Q1 2026 | $125.6M | $174.7M | 28.28% | 5.21% | 0.06% |
| Q2 2026 | $122.2M | $175.8M | 27.18% | 4.62% | 0.06% |
First National Bank of Absecon loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Absecon, 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 of Absecon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6442) · FFIEC NIC profile (RSSD 188917)