First National Bank of Hartford: 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): 10.20 percentage points lower than in Q1 2026, at 62.34%. First National Bank of Hartford ranks 58th of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 62.80% (Q2 2026). First National Bank of Hartford reported 62.80% on loan-to-deposit ratio for Q2 2026, 18.14 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $95.7M |
| Net loans and leases | $94.6M |
| Loans held for sale | $0 |
| Loans to total assets | 55.30% |
| Loan-to-deposit ratio | 62.80% |
| Net loans to equity capital | 4.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.45% |
| Multifamily (5+ residential) | 0.66% |
| Commercial and industrial | 7.65% |
| Consumer | 9.56% |
| Credit cards | 0.00% |
| Farm | 5.31% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.72% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 62.34% |
| Construction concentration (Tier 1 capital + allowance) | 29.00% |
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 | 8.24% |
| Interest income on loans | $2.0M |
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 | $80.5M | $127.4M | 15.18% | 5.67% | 11.30% |
| Q4 2023 | $82.3M | $128.5M | 14.80% | 5.43% | 11.41% |
| Q1 2024 | $83.4M | $129.2M | 15.25% | 5.73% | 11.11% |
| Q2 2024 | $85.6M | $133.6M | 16.23% | 5.54% | 11.22% |
| Q3 2024 | $86.8M | $139.2M | 15.28% | 5.97% | 11.05% |
| Q4 2024 | $88.2M | $140.0M | 15.58% | 6.09% | 10.63% |
| Q1 2025 | $88.2M | $143.4M | 15.54% | 6.48% | 10.66% |
| Q2 2025 | $89.4M | $143.6M | 14.80% | 6.40% | 10.99% |
| Q3 2025 | $92.4M | $145.8M | 15.97% | 6.40% | 10.40% |
| Q4 2025 | $94.3M | $148.6M | 16.21% | 6.99% | 9.66% |
| Q1 2026 | $97.0M | $153.4M | 16.26% | 7.53% | 8.92% |
| Q2 2026 | $95.7M | $152.3M | 17.45% | 7.65% | 9.56% |
First National Bank of Hartford loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Hartford, 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 Hartford profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2804) · FFIEC NIC profile (RSSD 112332)