The Fairfield 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: 3.47 percentage points higher than in Q1 2026, at 69.68%. The Fairfield National Bank ranks 209th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 69.68% (Q2 2026). The Fairfield National Bank reported 69.68% on loan-to-deposit ratio for Q2 2026, 11.16 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $285.8M |
| Net loans and leases | $282.5M |
| Loans held for sale | $0 |
| Loans to total assets | 46.03% |
| Loan-to-deposit ratio | 69.68% |
| Net loans to equity capital | 4.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.82% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 27.07% |
| Consumer | 1.52% |
| Credit cards | 0.00% |
| Farm | 23.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 12.64% |
| Construction concentration (Tier 1 capital + allowance) | 0.42% |
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 | 5.32% |
| Interest income on loans | $3.8M |
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 | $400.5M | $420.1M | 8.49% | 35.33% | 2.76% |
| Q4 2023 | $402.4M | $429.2M | 8.23% | 32.89% | 2.74% |
| Q1 2024 | $393.3M | $426.4M | 8.67% | 33.44% | 2.81% |
| Q2 2024 | $398.1M | $418.7M | 8.41% | 34.24% | 2.70% |
| Q3 2024 | $388.3M | $419.7M | 9.03% | 33.79% | 2.58% |
| Q4 2024 | $364.9M | $443.7M | 10.15% | 31.05% | 2.42% |
| Q1 2025 | $341.8M | $452.2M | 10.48% | 30.91% | 2.26% |
| Q2 2025 | $327.4M | $434.0M | 10.37% | 32.49% | 2.14% |
| Q3 2025 | $311.8M | $413.8M | 10.55% | 31.21% | 1.96% |
| Q4 2025 | $300.3M | $421.1M | 10.51% | 28.59% | 1.79% |
| Q1 2026 | $280.6M | $423.9M | 11.26% | 28.70% | 1.67% |
| Q2 2026 | $285.8M | $410.2M | 10.82% | 27.07% | 1.52% |
The Fairfield National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fairfield 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 The Fairfield National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3792) · FFIEC NIC profile (RSSD 640246)