Anna-Jonesboro National 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 Loan-to-deposit ratio: 2.98 percentage points higher than in Q1 2026, at 51.72%. Within Illinois, Anna-Jonesboro National Bank is 276th of 323 on loan-to-deposit ratio, 51.72% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Anna-Jonesboro National Bank sits 29.12 points lower, at 51.72% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $105.4M |
| Net loans and leases | $103.5M |
| Loans held for sale | $0 |
| Loans to total assets | 45.03% |
| Loan-to-deposit ratio | 51.72% |
| Net loans to equity capital | 3.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.55% |
| Multifamily (5+ residential) | 1.01% |
| Commercial and industrial | 6.48% |
| Consumer | 5.52% |
| Credit cards | 0.00% |
| Farm | 8.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 36.82% |
| Construction concentration (Tier 1 capital + allowance) | 17.08% |
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 | — |
| Interest income on loans | $1.7M |
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 | $96.0M | $219.3M | 16.27% | 3.45% | 4.98% |
| Q4 2023 | $97.4M | $208.8M | 18.07% | 3.28% | 4.95% |
| Q1 2024 | $95.2M | $204.6M | 18.25% | 3.19% | 4.20% |
| Q2 2024 | $95.1M | $203.2M | 18.35% | 2.50% | 4.48% |
| Q3 2024 | $93.4M | $208.3M | 18.36% | 2.27% | 4.44% |
| Q4 2024 | $94.6M | $205.7M | 17.70% | 3.26% | 4.65% |
| Q1 2025 | $94.3M | $210.2M | 16.97% | 3.15% | 4.23% |
| Q2 2025 | $94.6M | $206.3M | 16.55% | 3.02% | 4.29% |
| Q3 2025 | $99.0M | $210.4M | 17.82% | 3.76% | 3.92% |
| Q4 2025 | $102.6M | $205.5M | 16.68% | 4.43% | 5.67% |
| Q1 2026 | $101.0M | $207.2M | 14.22% | 3.53% | 5.79% |
| Q2 2026 | $105.4M | $203.9M | 13.55% | 6.48% | 5.52% |
Anna-Jonesboro National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Anna-Jonesboro National 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 Anna-Jonesboro National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3759) · FFIEC NIC profile (RSSD 855844)