Farmers State Bank of Western Illinois: 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.
Commercial and industrial climbed 2.82 percentage points in Q2 2026, from 11.09% to 13.91%. It was the largest change from Q1 2026 among the key lines here. Farmers State Bank of Western Illinois ranks 274th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 52.11% (Q2 2026). Farmers State Bank of Western Illinois reported 52.11% on loan-to-deposit ratio for Q2 2026, 28.73 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $74.7M |
| Net loans and leases | $73.2M |
| Loans held for sale | $0 |
| Loans to total assets | 44.68% |
| Loan-to-deposit ratio | 52.11% |
| Net loans to equity capital | 3.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.22% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 13.91% |
| Consumer | 3.48% |
| Credit cards | 0.00% |
| Farm | 33.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 2.97% |
| Construction concentration (Tier 1 capital + allowance) | 0.71% |
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 | 6.59% |
| Interest income on loans | $1.2M |
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 | $67.7M | $149.4M | 6.40% | 12.01% | 4.54% |
| Q4 2023 | $65.7M | $144.7M | 6.71% | 10.79% | 4.55% |
| Q1 2024 | $69.1M | $141.5M | 5.91% | 11.31% | 4.22% |
| Q2 2024 | $71.9M | $139.0M | 5.77% | 11.50% | 4.16% |
| Q3 2024 | $71.2M | $143.8M | 6.07% | 11.88% | 4.45% |
| Q4 2024 | $73.9M | $146.9M | 6.37% | 11.05% | 4.02% |
| Q1 2025 | $73.3M | $138.4M | 6.43% | 10.64% | 3.82% |
| Q2 2025 | $74.8M | $140.0M | 6.92% | 10.32% | 3.76% |
| Q3 2025 | $73.8M | $140.8M | 6.99% | 10.74% | 3.68% |
| Q4 2025 | $73.2M | $147.2M | 6.96% | 11.37% | 3.57% |
| Q1 2026 | $72.5M | $140.7M | 6.94% | 11.09% | 3.65% |
| Q2 2026 | $74.7M | $143.4M | 6.22% | 13.91% | 3.48% |
Farmers State Bank of Western Illinois loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank of Western Illinois, 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 Western Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11680) · FFIEC NIC profile (RSSD 653433)