First State Bank of the South, Inc.: 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.
Cre concentration (tier 1 capital + allowance) dropped 8.82 percentage points in Q2 2026, from 88.90% to 80.08%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, First State Bank of the South, Inc. is 73rd of 93 on loan-to-deposit ratio, 52.41% as of Q2 2026, below the middle of the field. First State Bank of the South, Inc. reported 52.41% on loan-to-deposit ratio for Q2 2026, 28.54 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $57.2M |
| Net loans and leases | $56.5M |
| Loans held for sale | $0 |
| Loans to total assets | 43.76% |
| Loan-to-deposit ratio | 52.41% |
| Net loans to equity capital | 2.85% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.67% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.58% |
| Consumer | 12.63% |
| Credit cards | 0.00% |
| Farm | 1.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.29% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 80.08% |
| Construction concentration (Tier 1 capital + allowance) | 31.67% |
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 | 7.83% |
| Interest income on loans | $1.1M |
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 | $59.0M | $98.0M | 24.30% | 6.44% | 12.64% |
| Q4 2023 | $60.1M | $99.6M | 23.23% | 7.08% | 12.30% |
| Q1 2024 | $61.3M | $103.9M | 22.39% | 6.12% | 11.95% |
| Q2 2024 | $60.8M | $105.6M | 22.39% | 7.02% | 11.88% |
| Q3 2024 | $60.6M | $103.1M | 22.17% | 7.65% | 12.03% |
| Q4 2024 | $61.5M | $105.0M | 20.14% | 8.30% | 12.30% |
| Q1 2025 | $59.2M | $111.6M | 20.19% | 9.83% | 12.21% |
| Q2 2025 | $58.4M | $108.6M | 16.43% | 8.98% | 12.74% |
| Q3 2025 | $59.8M | $105.6M | 14.97% | 11.68% | 14.11% |
| Q4 2025 | $61.1M | $109.1M | 17.16% | 9.36% | 15.07% |
| Q1 2026 | $61.2M | $108.2M | 20.58% | 8.78% | 12.70% |
| Q2 2026 | $57.2M | $109.2M | 21.67% | 9.58% | 12.63% |
First State Bank of the South, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of the South, Inc., 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 of the South, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21050) · FFIEC NIC profile (RSSD 250430)