First Savings and Loan Association: 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.
Loan-to-deposit ratio dropped 4.47 percentage points in Q2 2026, from 88.71% to 84.25%. It was the largest change from Q1 2026 among the key lines here. Within North Carolina, First Savings and Loan Association is 19th of 38 on loan-to-deposit ratio, 84.25% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First Savings and Loan Association sits 16.62 points higher, at 84.25% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $35.0M |
| Net loans and leases | $34.8M |
| Loans held for sale | $0 |
| Loans to total assets | 62.67% |
| Loan-to-deposit ratio | 84.25% |
| Net loans to equity capital | 2.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.88% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 5.46% |
| Construction concentration (Tier 1 capital + allowance) | 5.46% |
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 | $529K |
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 | $34.6M | $46.8M | 2.87% | 0.00% | 0.00% |
| Q4 2023 | $35.0M | $46.6M | 2.78% | 0.00% | 0.00% |
| Q1 2024 | $36.0M | $44.6M | 2.65% | 0.00% | 0.00% |
| Q2 2024 | $36.0M | $44.1M | 2.60% | 0.00% | 0.00% |
| Q3 2024 | $35.7M | $45.1M | 2.56% | 0.00% | 0.00% |
| Q4 2024 | $35.8M | $46.4M | 2.52% | 0.00% | 0.00% |
| Q1 2025 | $36.1M | $44.5M | 3.02% | 0.00% | 0.00% |
| Q2 2025 | $36.6M | $44.7M | 2.94% | 0.00% | 0.00% |
| Q3 2025 | $36.4M | $42.9M | 2.91% | 0.00% | 0.00% |
| Q4 2025 | $37.1M | $41.5M | 2.81% | 0.00% | 0.00% |
| Q1 2026 | $36.8M | $41.5M | 2.79% | 0.00% | 0.00% |
| Q2 2026 | $35.0M | $41.6M | 2.88% | 0.00% | 0.00% |
First Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Savings and Loan Association, 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 Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30358) · FFIEC NIC profile (RSSD 141677)