First Seacoast 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 5.99 percentage points lower than in Q1 2026, at 71.67%. Within New Hampshire, First Seacoast Bank is 11th of 16 on loan-to-deposit ratio, 89.35% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Seacoast Bank sits 8.79 points higher, at 89.35% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $421.8M |
| Net loans and leases | $418.4M |
| Loans held for sale | $0 |
| Loans to total assets | 73.20% |
| Loan-to-deposit ratio | 89.35% |
| Net loans to equity capital | 8.84% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.88% |
| Multifamily (5+ residential) | 1.00% |
| Commercial and industrial | 6.35% |
| Consumer | 2.77% |
| 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) | 71.67% |
| Construction concentration (Tier 1 capital + allowance) | 28.52% |
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 | 4.71% |
| Interest income on loans | $4.9M |
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 | $428.0M | $435.5M | 20.43% | 5.81% | 2.29% |
| Q4 2023 | $429.7M | $426.7M | 20.15% | 5.94% | 2.29% |
| Q1 2024 | $431.6M | $428.9M | 20.34% | 5.88% | 2.31% |
| Q2 2024 | $434.9M | $471.2M | 19.78% | 5.41% | 2.61% |
| Q3 2024 | $436.8M | $467.7M | 19.62% | 5.52% | 2.81% |
| Q4 2024 | $437.7M | $472.4M | 19.37% | 5.42% | 2.84% |
| Q1 2025 | $448.3M | $473.3M | 19.97% | 5.48% | 2.79% |
| Q2 2025 | $439.7M | $489.9M | 19.55% | 5.66% | 2.90% |
| Q3 2025 | $433.6M | $499.2M | 20.11% | 5.69% | 2.85% |
| Q4 2025 | $419.7M | $488.6M | 19.22% | 5.37% | 3.04% |
| Q1 2026 | $418.4M | $478.1M | 19.32% | 5.08% | 2.98% |
| Q2 2026 | $421.8M | $472.1M | 17.88% | 6.35% | 2.77% |
First Seacoast Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Seacoast 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 Seacoast Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29744) · FFIEC NIC profile (RSSD 119872)