Fidelity 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.
Construction concentration (Tier 1 capital + allowance) climbed 14.25 percentage points in Q2 2026, from 270.46% to 284.71%. It was the largest change from Q1 2026 among the key lines here. Fidelity Bank ranks 66th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 89.00% (Q2 2026). Fidelity Bank reported 89.00% on loan-to-deposit ratio for Q2 2026, 8.45 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $147.3M |
| Net loans and leases | $146.4M |
| Loans held for sale | $1.2M |
| Loans to total assets | 74.17% |
| Loan-to-deposit ratio | 89.00% |
| Net loans to equity capital | 10.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.77% |
| Multifamily (5+ residential) | 3.55% |
| Commercial and industrial | 4.87% |
| Consumer | 0.28% |
| Credit cards | 0.00% |
| Farm | 3.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 334.38% |
| Construction concentration (Tier 1 capital + allowance) | 284.71% |
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 | 7.54% |
| Interest income on loans | $2.7M |
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 | $102.1M | $121.8M | 10.16% | 5.94% | 0.54% |
| Q4 2023 | $103.7M | $123.7M | 10.90% | 6.34% | 0.42% |
| Q1 2024 | $106.2M | $128.9M | 10.51% | 7.19% | 0.94% |
| Q2 2024 | $107.1M | $133.5M | 10.77% | 7.10% | 0.49% |
| Q3 2024 | $106.1M | $148.3M | 12.32% | 7.26% | 0.38% |
| Q4 2024 | $110.8M | $149.2M | 11.60% | 5.77% | 0.34% |
| Q1 2025 | $118.2M | $154.6M | 10.47% | 5.36% | 0.31% |
| Q2 2025 | $130.3M | $161.0M | 9.46% | 5.62% | 0.33% |
| Q3 2025 | $134.3M | $170.0M | 8.71% | 5.66% | 0.29% |
| Q4 2025 | $144.0M | $165.1M | 9.45% | 5.10% | 0.30% |
| Q1 2026 | $144.8M | $167.3M | 8.56% | 4.87% | 0.30% |
| Q2 2026 | $147.3M | $165.5M | 9.77% | 4.87% | 0.28% |
Fidelity Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fidelity 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 Fidelity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5753) · FFIEC NIC profile (RSSD 597041)