First National Bank of Pasco: 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 Construction concentration (Tier 1 capital + allowance): 6.81 percentage points higher than in Q1 2026, at 31.62%. First National Bank of Pasco ranks 52nd of 81 Florida banks on loan-to-deposit ratio, in the lower half at 72.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First National Bank of Pasco sits 8.78 points lower, at 72.16% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $169.0M |
| Net loans and leases | $166.1M |
| Loans held for sale | $0 |
| Loans to total assets | 60.34% |
| Loan-to-deposit ratio | 72.16% |
| Net loans to equity capital | 8.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.50% |
| Multifamily (5+ residential) | 1.64% |
| Commercial and industrial | 28.24% |
| Consumer | 7.18% |
| Credit cards | 0.00% |
| Farm | 0.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 203.64% |
| Construction concentration (Tier 1 capital + allowance) | 31.62% |
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 | 7.33% |
| Interest income on loans | $3.2M |
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 | $179.0M | $279.4M | 39.44% | 30.85% | 5.11% |
| Q4 2023 | $185.3M | $287.8M | 39.06% | 30.08% | 4.57% |
| Q1 2024 | $186.7M | $287.4M | 37.13% | 29.97% | 5.29% |
| Q2 2024 | $193.8M | $294.6M | 33.67% | 31.03% | 7.55% |
| Q3 2024 | $193.0M | $272.6M | 35.96% | 30.82% | 7.33% |
| Q4 2024 | $189.6M | $265.4M | 37.54% | 31.91% | 8.18% |
| Q1 2025 | $193.5M | $272.4M | 36.98% | 30.34% | 8.52% |
| Q2 2025 | $192.0M | $266.1M | 36.70% | 31.70% | 7.03% |
| Q3 2025 | $187.7M | $253.1M | 38.45% | 30.54% | 6.81% |
| Q4 2025 | $185.9M | $241.4M | 40.58% | 30.01% | 6.95% |
| Q1 2026 | $181.0M | $240.6M | 40.09% | 29.59% | 7.67% |
| Q2 2026 | $169.0M | $234.1M | 39.50% | 28.24% | 7.18% |
First National Bank of Pasco loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Pasco, 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 Pasco profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26829) · FFIEC NIC profile (RSSD 82033)