First Southern State 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): 10.36 percentage points lower than in Q1 2026, at 135.96%. First Southern State Bank ranks 59th of 93 Alabama banks on loan-to-deposit ratio, in the lower half at 62.08% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Southern State Bank sits 18.76 points lower, at 62.08% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $501.1M |
| Net loans and leases | $495.0M |
| Loans held for sale | $0 |
| Loans to total assets | 56.08% |
| Loan-to-deposit ratio | 62.08% |
| Net loans to equity capital | 6.18% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.78% |
| Multifamily (5+ residential) | 0.95% |
| Commercial and industrial | 10.45% |
| Consumer | 6.54% |
| Credit cards | 0.00% |
| Farm | 2.90% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.47% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 135.96% |
| Construction concentration (Tier 1 capital + allowance) | 48.34% |
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 | 7.58% |
| Interest income on loans | $9.4M |
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 | $434.9M | $719.0M | 33.51% | 10.09% | 7.68% |
| Q4 2023 | $447.9M | $725.1M | 32.64% | 11.38% | 7.55% |
| Q1 2024 | $450.0M | $730.3M | 32.83% | 10.84% | 7.48% |
| Q2 2024 | $454.1M | $744.9M | 32.57% | 9.90% | 7.48% |
| Q3 2024 | $461.4M | $749.0M | 32.10% | 9.56% | 7.44% |
| Q4 2024 | $460.9M | $757.6M | 30.68% | 9.53% | 7.28% |
| Q1 2025 | $467.1M | $765.9M | 30.92% | 9.18% | 7.24% |
| Q2 2025 | $474.9M | $782.4M | 31.72% | 9.27% | 7.12% |
| Q3 2025 | $477.6M | $781.3M | 30.63% | 9.27% | 7.05% |
| Q4 2025 | $485.7M | $794.6M | 30.33% | 9.58% | 6.95% |
| Q1 2026 | $498.3M | $799.6M | 30.05% | 10.26% | 6.56% |
| Q2 2026 | $501.1M | $807.2M | 29.78% | 10.45% | 6.54% |
First Southern State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Southern State 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 Southern State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2829) · FFIEC NIC profile (RSSD 246134)