First US 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.
Construction concentration (tier 1 capital + allowance) climbed 11.98 percentage points in Q2 2026, from 21.98% to 33.96%. It was the largest change from Q1 2026 among the key lines here. First US Bank ranks 18th of 93 Alabama banks on loan-to-deposit ratio, in the upper half at 85.71% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; First US Bank reported 85.71% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $860.6M |
| Net loans and leases | $849.8M |
| Loans held for sale | $0 |
| Loans to total assets | 74.99% |
| Loan-to-deposit ratio | 85.71% |
| Net loans to equity capital | 7.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.09% |
| Multifamily (5+ residential) | 13.87% |
| Commercial and industrial | 3.18% |
| Consumer | 47.49% |
| Credit cards | 0.00% |
| Farm | 0.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.92% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 249.53% |
| Construction concentration (Tier 1 capital + allowance) | 33.96% |
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 | 5.87% |
| Interest income on loans | $12.4M |
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 | $815.3M | $930.0M | 24.42% | 5.13% | 40.03% |
| Q4 2023 | $821.8M | $952.0M | 25.99% | 4.94% | 39.05% |
| Q1 2024 | $822.9M | $946.0M | 25.82% | 4.66% | 38.22% |
| Q2 2024 | $819.1M | $957.0M | 26.66% | 3.28% | 38.39% |
| Q3 2024 | $803.3M | $983.1M | 27.96% | 2.92% | 38.58% |
| Q4 2024 | $823.0M | $975.3M | 27.67% | 2.82% | 38.20% |
| Q1 2025 | $848.3M | $965.2M | 25.23% | 2.75% | 41.91% |
| Q2 2025 | $871.4M | $990.5M | 24.68% | 2.32% | 43.71% |
| Q3 2025 | $867.5M | $1.01B | 24.37% | 2.98% | 45.02% |
| Q4 2025 | $853.0M | $1.03B | 23.53% | 3.35% | 45.31% |
| Q1 2026 | $843.7M | $1.05B | 22.45% | 3.27% | 46.23% |
| Q2 2026 | $860.6M | $1.00B | 21.09% | 3.18% | 47.49% |
First US Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First US 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 US Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17077) · FFIEC NIC profile (RSSD 259330)