First Reliance Bank: 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 6.54 percentage points in Q2 2026, from 32.38% to 38.92%. It was the largest change from Q1 2026 among the key lines here. Within South Carolina, First Reliance Bank is 10th of 44 on loan-to-deposit ratio, 90.98% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Reliance Bank sits 2.78 points higher, at 90.98% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $838.8M |
| Net loans and leases | $829.5M |
| Loans held for sale | $18.1M |
| Loans to total assets | 74.54% |
| Loan-to-deposit ratio | 90.98% |
| Net loans to equity capital | 7.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.49% |
| Multifamily (5+ residential) | 1.08% |
| Commercial and industrial | 8.47% |
| Consumer | 1.12% |
| Credit cards | 0.00% |
| Farm | 0.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 207.27% |
| Construction concentration (Tier 1 capital + allowance) | 38.92% |
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 | $12.3M |
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 | $724.0M | $864.3M | 48.00% | 8.79% | 4.89% |
| Q4 2023 | $712.8M | $861.8M | 48.79% | 8.50% | 4.48% |
| Q1 2024 | $743.5M | $884.3M | 46.53% | 10.07% | 3.71% |
| Q2 2024 | $765.2M | $904.3M | 48.09% | 9.37% | 3.36% |
| Q3 2024 | $759.1M | $957.3M | 48.34% | 8.20% | 2.95% |
| Q4 2024 | $774.7M | $956.2M | 48.74% | 8.13% | 2.59% |
| Q1 2025 | $806.8M | $983.5M | 48.85% | 7.84% | 2.43% |
| Q2 2025 | $799.6M | $951.3M | 48.39% | 7.62% | 2.10% |
| Q3 2025 | $793.3M | $961.3M | 46.76% | 8.66% | 2.07% |
| Q4 2025 | $792.2M | $949.9M | 46.80% | 8.34% | 1.53% |
| Q1 2026 | $816.8M | $930.8M | 45.57% | 8.54% | 1.37% |
| Q2 2026 | $838.8M | $922.0M | 44.49% | 8.47% | 1.12% |
First Reliance Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Reliance Bank, 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 Reliance Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35214) · FFIEC NIC profile (RSSD 2839790)