Fairview State Banking Company: 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 Commercial and industrial: 2.44 percentage points lower than in Q1 2026, at 8.48%. Fairview State Banking Company ranks 219th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 67.03% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio; Fairview State Banking Company reported 67.03% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $23.3M |
| Net loans and leases | $23.1M |
| Loans held for sale | $0 |
| Loans to total assets | 56.82% |
| Loan-to-deposit ratio | 67.03% |
| Net loans to equity capital | 4.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.22% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.48% |
| Consumer | 8.96% |
| Credit cards | 0.00% |
| Farm | 28.46% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.87% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 19.98% |
| 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 | — |
| Interest income on loans | $380K |
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 | $23.0M | $30.8M | 4.49% | 12.43% | 7.80% |
| Q4 2023 | $23.1M | $31.7M | 4.29% | 11.87% | 7.76% |
| Q1 2024 | $23.7M | $33.8M | 4.07% | 11.16% | 7.66% |
| Q2 2024 | $22.8M | $31.8M | 4.40% | 11.01% | 7.30% |
| Q3 2024 | $23.1M | $31.9M | 4.45% | 12.13% | 6.78% |
| Q4 2024 | $23.6M | $32.0M | 4.61% | 10.98% | 6.55% |
| Q1 2025 | $23.3M | $31.4M | 4.60% | 11.55% | 7.00% |
| Q2 2025 | $23.3M | $31.4M | 4.86% | 12.46% | 6.95% |
| Q3 2025 | $23.0M | $34.7M | 4.83% | 12.14% | 7.49% |
| Q4 2025 | $24.4M | $36.8M | 4.48% | 11.33% | 9.09% |
| Q1 2026 | $23.6M | $34.7M | 4.56% | 10.91% | 8.56% |
| Q2 2026 | $23.3M | $34.7M | 5.22% | 8.48% | 8.96% |
Fairview State Banking Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fairview State Banking Company, 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 Fairview State Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11731) · FFIEC NIC profile (RSSD 601032)