The First National Bank of Mount Dora: 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.
Cre concentration (tier 1 capital + allowance) climbed 2.43 percentage points in Q2 2026, from 67.87% to 70.30%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Mount Dora ranks 71st of 81 Florida banks on loan-to-deposit ratio, in the lower half at 43.95% (Q2 2026). The First National Bank of Mount Dora reported 43.95% on loan-to-deposit ratio for Q2 2026, 37.00 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $139.6M |
| Net loans and leases | $137.4M |
| Loans held for sale | $0 |
| Loans to total assets | 38.98% |
| Loan-to-deposit ratio | 43.95% |
| Net loans to equity capital | 3.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.86% |
| Multifamily (5+ residential) | 0.18% |
| Commercial and industrial | 4.40% |
| Consumer | 5.32% |
| Credit cards | 0.00% |
| Farm | 5.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 70.30% |
| Construction concentration (Tier 1 capital + allowance) | 27.26% |
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 | 6.14% |
| Interest income on loans | $2.1M |
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 | $109.9M | $341.3M | 31.23% | 4.23% | 5.27% |
| Q4 2023 | $114.9M | $332.0M | 32.35% | 4.12% | 5.20% |
| Q1 2024 | $121.5M | $363.0M | 31.94% | 4.10% | 5.41% |
| Q2 2024 | $118.7M | $329.2M | 32.47% | 2.95% | 4.61% |
| Q3 2024 | $117.8M | $319.5M | 31.84% | 3.47% | 5.35% |
| Q4 2024 | $120.1M | $316.9M | 30.66% | 4.18% | 4.93% |
| Q1 2025 | $130.2M | $334.0M | 28.06% | 3.06% | 4.28% |
| Q2 2025 | $137.6M | $336.8M | 28.40% | 2.97% | 5.23% |
| Q3 2025 | $134.8M | $334.6M | 29.49% | 3.08% | 4.63% |
| Q4 2025 | $134.2M | $321.8M | 31.57% | 4.08% | 4.17% |
| Q1 2026 | $136.9M | $315.7M | 30.37% | 4.35% | 5.09% |
| Q2 2026 | $139.6M | $317.6M | 29.86% | 4.40% | 5.32% |
The First National Bank of Mount Dora loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Mount Dora, 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 The First National Bank of Mount Dora profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3579) · FFIEC NIC profile (RSSD 61832)