First 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): 7.46 percentage points higher than in Q1 2026, at 230.89%. First State Bank ranks 44th of 57 Mississippi banks on loan-to-deposit ratio, in the lower half at 64.33% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First State Bank sits 16.22 points lower, at 64.33% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $532.6M |
| Net loans and leases | $527.9M |
| Loans held for sale | $0 |
| Loans to total assets | 55.98% |
| Loan-to-deposit ratio | 64.33% |
| Net loans to equity capital | 5.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.30% |
| Multifamily (5+ residential) | 2.15% |
| Commercial and industrial | 11.90% |
| Consumer | 2.98% |
| Credit cards | 0.14% |
| Farm | 7.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 230.89% |
| Construction concentration (Tier 1 capital + allowance) | 55.20% |
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 | 6.56% |
| Interest income on loans | $8.7M |
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 | $420.2M | $778.4M | 35.21% | 8.09% | 3.54% |
| Q4 2023 | $426.2M | $764.8M | 34.02% | 9.03% | 3.38% |
| Q1 2024 | $432.1M | $794.0M | 35.75% | 9.72% | 3.36% |
| Q2 2024 | $439.2M | $773.5M | 35.70% | 8.83% | 3.10% |
| Q3 2024 | $440.9M | $783.0M | 34.43% | 8.65% | 3.45% |
| Q4 2024 | $436.8M | $810.3M | 33.95% | 8.71% | 3.72% |
| Q1 2025 | $441.7M | $833.1M | 34.97% | 9.41% | 3.28% |
| Q2 2025 | $443.9M | $823.5M | 37.04% | 10.40% | 3.42% |
| Q3 2025 | $483.3M | $830.3M | 35.38% | 11.45% | 3.03% |
| Q4 2025 | $501.0M | $852.4M | 34.38% | 11.22% | 2.95% |
| Q1 2026 | $516.9M | $852.5M | 35.68% | 11.47% | 2.95% |
| Q2 2026 | $532.6M | $828.0M | 36.30% | 11.90% | 2.98% |
First State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15663) · FFIEC NIC profile (RSSD 924236)