Farmers State Bank of Alto Pass, ILL.: 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 36.47 percentage points in Q2 2026, from 196.20% to 159.73%. It was the largest change from Q1 2026 among the key lines here. Farmers State Bank of Alto Pass, ILL. ranks 41st of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 94.85% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Farmers State Bank of Alto Pass, ILL. sits 14.01 points higher, at 94.85% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $291.4M |
| Net loans and leases | $288.4M |
| Loans held for sale | $372K |
| Loans to total assets | 85.10% |
| Loan-to-deposit ratio | 94.85% |
| Net loans to equity capital | 8.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.72% |
| Multifamily (5+ residential) | 1.13% |
| Commercial and industrial | 21.68% |
| Consumer | 1.35% |
| Credit cards | 0.00% |
| Farm | 3.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 159.73% |
| Construction concentration (Tier 1 capital + allowance) | 81.69% |
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 | 7.33% |
| Interest income on loans | $5.5M |
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 | $285.0M | $304.2M | 31.27% | 26.26% | 0.86% |
| Q4 2023 | $286.8M | $315.8M | 29.87% | 26.39% | 0.99% |
| Q1 2024 | $285.7M | $316.1M | 27.04% | 28.72% | 0.93% |
| Q2 2024 | $295.0M | $315.6M | 25.62% | 30.91% | 0.91% |
| Q3 2024 | $298.0M | $327.3M | 25.17% | 29.56% | 0.92% |
| Q4 2024 | $300.7M | $320.5M | 25.32% | 28.13% | 0.99% |
| Q1 2025 | $306.8M | $334.7M | 26.69% | 27.84% | 0.98% |
| Q2 2025 | $296.1M | $317.6M | 27.33% | 25.37% | 1.03% |
| Q3 2025 | $283.8M | $307.9M | 28.40% | 23.14% | 1.20% |
| Q4 2025 | $300.9M | $321.9M | 32.79% | 21.64% | 1.14% |
| Q1 2026 | $300.8M | $322.7M | 33.29% | 21.03% | 1.15% |
| Q2 2026 | $291.4M | $307.2M | 28.72% | 21.68% | 1.35% |
Farmers State Bank of Alto Pass, ILL. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank of Alto Pass, ILL., 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 Farmers State Bank of Alto Pass, ILL. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11299) · FFIEC NIC profile (RSSD 856346)