1NB 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): 11.11 percentage points higher than in Q1 2026, at 207.81%. 1NB Bank ranks 109th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 82.40% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; 1NB Bank reported 82.40% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $214.3M |
| Net loans and leases | $212.1M |
| Loans held for sale | $552K |
| Loans to total assets | 67.18% |
| Loan-to-deposit ratio | 82.40% |
| Net loans to equity capital | 7.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.40% |
| Multifamily (5+ residential) | 4.72% |
| Commercial and industrial | 11.91% |
| Consumer | 3.54% |
| Credit cards | 0.00% |
| Farm | 27.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.20% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 207.81% |
| Construction concentration (Tier 1 capital + allowance) | 36.49% |
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 | 6.06% |
| Interest income on loans | $3.2M |
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 | $146.0M | $244.1M | 24.69% | 11.98% | 2.98% |
| Q4 2023 | $163.3M | $241.6M | 23.83% | 15.15% | 4.17% |
| Q1 2024 | $158.7M | $242.7M | 26.71% | 14.15% | 4.01% |
| Q2 2024 | $161.2M | $252.4M | 25.40% | 13.21% | 4.66% |
| Q3 2024 | $160.1M | $254.5M | 23.68% | 12.10% | 4.77% |
| Q4 2024 | $170.7M | $250.9M | 20.90% | 12.42% | 4.70% |
| Q1 2025 | $165.7M | $251.8M | 19.73% | 12.67% | 4.65% |
| Q2 2025 | $174.8M | $248.2M | 19.80% | 13.59% | 4.13% |
| Q3 2025 | $183.9M | $254.8M | 23.80% | 12.19% | 4.62% |
| Q4 2025 | $194.9M | $256.7M | 24.86% | 11.20% | 4.13% |
| Q1 2026 | $203.0M | $258.3M | 28.19% | 10.93% | 3.68% |
| Q2 2026 | $214.3M | $260.1M | 27.40% | 11.91% | 3.54% |
1NB Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock 1NB 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 1NB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14761) · FFIEC NIC profile (RSSD 614948)