1st Community 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.
Loan-to-deposit ratio climbed 4.69 percentage points in Q2 2026, from 75.30% to 79.99%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, 1st Community Bank is 129th of 323 on loan-to-deposit ratio, 79.99% as of Q2 2026. The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. 1st Community Bank sits 12.66 points higher, at 79.99% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $46.6M |
| Net loans and leases | $46.2M |
| Loans held for sale | $0 |
| Loans to total assets | 71.36% |
| Loan-to-deposit ratio | 79.99% |
| Net loans to equity capital | 7.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.92% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.18% |
| Consumer | 2.94% |
| Credit cards | 0.00% |
| Farm | 40.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 1.18% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.19% |
| Interest income on loans | $718K |
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 | $45.6M | $58.6M | 6.41% | 6.86% | 3.37% |
| Q4 2023 | $43.2M | $61.6M | 6.75% | 7.49% | 3.46% |
| Q1 2024 | $44.1M | $62.0M | 6.42% | 7.59% | 3.17% |
| Q2 2024 | $44.5M | $58.8M | 6.45% | 7.57% | 2.75% |
| Q3 2024 | $44.8M | $57.4M | 5.50% | 6.39% | 2.89% |
| Q4 2024 | $43.8M | $58.3M | 5.16% | 7.14% | 3.66% |
| Q1 2025 | $46.3M | $60.0M | 4.54% | 9.57% | 3.07% |
| Q2 2025 | $46.5M | $58.8M | 4.45% | 8.49% | 3.21% |
| Q3 2025 | $46.2M | $57.7M | 4.46% | 6.99% | 3.32% |
| Q4 2025 | $46.0M | $58.5M | 3.93% | 6.51% | 3.02% |
| Q1 2026 | $46.1M | $61.3M | 4.23% | 7.36% | 3.19% |
| Q2 2026 | $46.6M | $58.2M | 3.92% | 7.18% | 2.94% |
1st Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Community 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 1st Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11706) · FFIEC NIC profile (RSSD 338945)