FirstBank: 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) climbed 12.57 percentage points in Q2 2026, from 256.44% to 269.01%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, FirstBank is 34th of 109 on loan-to-deposit ratio, 90.95% as of Q2 2026. FirstBank reported 90.95% on loan-to-deposit ratio for Q2 2026, 4.07 points above the 86.87% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $13.06B |
| Net loans and leases | $12.87B |
| Loans held for sale | $198.1M |
| Loans to total assets | 77.94% |
| Loan-to-deposit ratio | 90.95% |
| Net loans to equity capital | 6.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.58% |
| Multifamily (5+ residential) | 5.88% |
| Commercial and industrial | 16.72% |
| Consumer | 4.38% |
| Credit cards | 0.00% |
| Farm | 0.76% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.82% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 269.01% |
| Construction concentration (Tier 1 capital + allowance) | 62.64% |
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 | 6.44% |
| Interest income on loans | $206.4M |
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 | $9.39B | $10.66B | 32.56% | 17.57% | 3.74% |
| Q4 2023 | $9.48B | $10.57B | 32.83% | 17.91% | 3.88% |
| Q1 2024 | $9.37B | $10.53B | 33.75% | 17.08% | 4.11% |
| Q2 2024 | $9.42B | $10.49B | 34.46% | 16.94% | 4.28% |
| Q3 2024 | $9.58B | $10.99B | 34.49% | 17.29% | 4.46% |
| Q4 2024 | $9.73B | $11.24B | 34.82% | 17.05% | 4.60% |
| Q1 2025 | $9.94B | $11.24B | 34.57% | 17.60% | 4.72% |
| Q2 2025 | $10.02B | $11.44B | 34.86% | 17.52% | 4.98% |
| Q3 2025 | $12.47B | $13.84B | 39.54% | 17.00% | 4.26% |
| Q4 2025 | $12.58B | $13.93B | 39.37% | 17.05% | 4.22% |
| Q1 2026 | $12.74B | $14.10B | 39.08% | 16.97% | 4.38% |
| Q2 2026 | $13.06B | $14.36B | 39.58% | 16.72% | 4.38% |
FirstBank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock FirstBank, 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 FirstBank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8663) · FFIEC NIC profile (RSSD 436159)