First American 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.
CRE concentration (Tier 1 capital + allowance) climbed 7.65 percentage points in Q2 2026, from 158.18% to 165.83%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First American Bank is 244th of 323 on loan-to-deposit ratio, 60.96% as of Q2 2026. First American Bank reported 60.96% on loan-to-deposit ratio for Q2 2026, 27.24 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.38B |
| Net loans and leases | $3.34B |
| Loans held for sale | $5.8M |
| Loans to total assets | 39.24% |
| Loan-to-deposit ratio | 60.96% |
| Net loans to equity capital | 4.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.13% |
| Multifamily (5+ residential) | 7.46% |
| Commercial and industrial | 21.97% |
| Consumer | 15.90% |
| Credit cards | 0.00% |
| Farm | 0.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 165.83% |
| Construction concentration (Tier 1 capital + allowance) | 53.02% |
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 | 6.34% |
| Interest income on loans | $52.5M |
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 | $2.76B | $4.82B | 23.74% | 20.58% | 21.40% |
| Q4 2023 | $2.73B | $4.82B | 23.19% | 18.88% | 21.68% |
| Q1 2024 | $2.82B | $4.82B | 22.11% | 19.62% | 21.27% |
| Q2 2024 | $2.94B | $4.88B | 22.37% | 20.91% | 20.36% |
| Q3 2024 | $2.94B | $4.99B | 21.22% | 21.36% | 20.12% |
| Q4 2024 | $3.00B | $5.05B | 21.41% | 21.23% | 19.51% |
| Q1 2025 | $3.00B | $5.05B | 21.04% | 21.51% | 19.16% |
| Q2 2025 | $3.09B | $5.02B | 20.31% | 22.24% | 18.56% |
| Q3 2025 | $3.11B | $5.07B | 19.89% | 21.14% | 18.11% |
| Q4 2025 | $3.18B | $5.10B | 19.31% | 20.05% | 17.27% |
| Q1 2026 | $3.21B | $5.25B | 18.75% | 20.84% | 16.67% |
| Q2 2026 | $3.38B | $5.55B | 18.13% | 21.97% | 15.90% |
First American Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First American 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 First American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3657) · FFIEC NIC profile (RSSD 850036)