Community National Bank in Monmouth: 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 dropped 6.21 percentage points in Q2 2026, from 77.15% to 70.93%. It was the largest change from Q1 2026 among the key lines here. Community National Bank in Monmouth ranks 201st of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 70.93% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Community National Bank in Monmouth sits 3.31 points higher, at 70.93% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $33.8M |
| Net loans and leases | $33.3M |
| Loans held for sale | $0 |
| Loans to total assets | 61.35% |
| Loan-to-deposit ratio | 70.93% |
| Net loans to equity capital | 4.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.55% |
| Multifamily (5+ residential) | 1.69% |
| Commercial and industrial | 5.45% |
| Consumer | 6.42% |
| Credit cards | 0.00% |
| Farm | 23.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 27.73% |
| Construction concentration (Tier 1 capital + allowance) | 20.25% |
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 | 6.97% |
| Interest income on loans | $605K |
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 | $33.0M | $51.5M | 3.94% | 6.90% | 9.41% |
| Q4 2023 | $28.8M | $50.6M | 4.25% | 7.59% | 10.22% |
| Q1 2024 | $29.7M | $44.7M | 4.09% | 6.05% | 9.66% |
| Q2 2024 | $30.6M | $45.8M | 3.94% | 5.43% | 9.31% |
| Q3 2024 | $32.2M | $44.8M | 3.65% | 6.11% | 8.40% |
| Q4 2024 | $32.1M | $45.7M | 3.72% | 9.87% | 8.09% |
| Q1 2025 | $34.0M | $45.2M | 3.49% | 11.35% | 7.38% |
| Q2 2025 | $33.2M | $47.7M | 3.98% | 6.90% | 7.53% |
| Q3 2025 | $35.1M | $44.5M | 3.70% | 10.04% | 7.14% |
| Q4 2025 | $33.8M | $46.6M | 3.73% | 6.56% | 7.46% |
| Q1 2026 | $35.7M | $46.2M | 3.40% | 8.69% | 6.91% |
| Q2 2026 | $33.8M | $47.7M | 3.55% | 5.45% | 6.42% |
Community National Bank in Monmouth loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community National Bank in Monmouth, 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 National Bank in Monmouth profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19230) · FFIEC NIC profile (RSSD 775241)