Community First Bank of the Heartland: 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) dropped 6.11 percentage points in Q2 2026, from 71.99% to 65.88%. It was the largest change from Q1 2026 among the key lines here. Community First Bank of the Heartland ranks 120th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 80.90% (Q2 2026). At 80.90%, Community First Bank of the Heartland's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $192.4M |
| Net loans and leases | $190.2M |
| Loans held for sale | $0 |
| Loans to total assets | 72.14% |
| Loan-to-deposit ratio | 80.90% |
| Net loans to equity capital | 6.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.92% |
| Multifamily (5+ residential) | 1.63% |
| Commercial and industrial | 41.49% |
| Consumer | 0.20% |
| Credit cards | 0.00% |
| Farm | 15.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 65.88% |
| Construction concentration (Tier 1 capital + allowance) | 24.08% |
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 | 6.90% |
| Interest income on loans | $3.3M |
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 | $188.8M | $227.7M | 28.55% | 30.17% | 0.24% |
| Q4 2023 | $201.1M | $236.2M | 27.38% | 34.16% | 0.20% |
| Q1 2024 | $200.7M | $230.2M | 27.00% | 35.82% | 0.20% |
| Q2 2024 | $197.2M | $223.9M | 26.84% | 35.51% | 0.19% |
| Q3 2024 | $201.7M | $220.4M | 27.66% | 36.43% | 0.18% |
| Q4 2024 | $216.4M | $226.5M | 25.68% | 42.25% | 0.17% |
| Q1 2025 | $214.1M | $233.5M | 25.57% | 41.62% | 0.16% |
| Q2 2025 | $200.7M | $232.5M | 26.27% | 38.68% | 0.16% |
| Q3 2025 | $200.5M | $226.7M | 26.13% | 38.18% | 0.17% |
| Q4 2025 | $203.3M | $236.7M | 23.26% | 41.46% | 0.16% |
| Q1 2026 | $195.5M | $242.0M | 19.85% | 42.28% | 0.19% |
| Q2 2026 | $192.4M | $237.9M | 20.92% | 41.49% | 0.20% |
Community First Bank of the Heartland loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community First Bank of the Heartland, 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 Community First Bank of the Heartland profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3846) · FFIEC NIC profile (RSSD 273840)