First National Bank of America: 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.
Construction concentration (tier 1 capital + allowance) climbed 2.58 percentage points in Q2 2026, from 36.50% to 39.08%. It was the largest change from Q1 2026 among the key lines here. As of Q2 2026, First National Bank of America ranks first in Michigan on loan-to-deposit ratio among 72 banks, at 161.84%. Against a median of 88.20% for banks in the $1B-10B asset tier, First National Bank of America reported 161.84% on loan-to-deposit ratio in Q2 2026, 73.64 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.28B |
| Net loans and leases | $6.21B |
| Loans held for sale | $4.5M |
| Loans to total assets | 92.06% |
| Loan-to-deposit ratio | 161.84% |
| Net loans to equity capital | 11.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.09% |
| Multifamily (5+ residential) | 1.49% |
| Commercial and industrial | 0.03% |
| Consumer | 0.02% |
| Credit cards | 0.00% |
| Farm | 0.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 59.65% |
| Construction concentration (Tier 1 capital + allowance) | 39.08% |
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 | 8.55% |
| Interest income on loans | $134.0M |
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 | $4.90B | $3.08B | 1.31% | 0.04% | 0.05% |
| Q4 2023 | $5.20B | $3.25B | 1.21% | 0.03% | 0.04% |
| Q1 2024 | $5.34B | $3.38B | 1.27% | 0.03% | 0.04% |
| Q2 2024 | $5.50B | $3.55B | 1.25% | 0.02% | 0.03% |
| Q3 2024 | $5.68B | $3.63B | 1.33% | 0.03% | 0.03% |
| Q4 2024 | $5.85B | $3.69B | 1.33% | 0.03% | 0.03% |
| Q1 2025 | $5.85B | $3.73B | 1.35% | 0.04% | 0.02% |
| Q2 2025 | $5.97B | $3.74B | 1.36% | 0.03% | 0.02% |
| Q3 2025 | $6.08B | $3.82B | 1.32% | 0.03% | 0.02% |
| Q4 2025 | $6.21B | $3.84B | 1.27% | 0.03% | 0.02% |
| Q1 2026 | $6.24B | $3.84B | 1.20% | 0.03% | 0.02% |
| Q2 2026 | $6.28B | $3.88B | 1.09% | 0.03% | 0.02% |
First National Bank of America loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of America, 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 America profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17438) · FFIEC NIC profile (RSSD 413141)