First Bank and Trust Company of 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.
Construction concentration (tier 1 capital + allowance) dropped 23.96 percentage points in Q2 2026, from 60.46% to 36.50%. It was the largest change from Q1 2026 among the key lines here. First Bank and Trust Company of Illinois ranks 213th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 68.29% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Bank and Trust Company of Illinois sits 12.55 points lower, at 68.29% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $129.4M |
| Net loans and leases | $127.4M |
| Loans held for sale | $0 |
| Loans to total assets | 56.62% |
| Loan-to-deposit ratio | 68.29% |
| Net loans to equity capital | 3.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 59.55% |
| Multifamily (5+ residential) | 6.28% |
| Commercial and industrial | 22.24% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 155.53% |
| Construction concentration (Tier 1 capital + allowance) | 36.50% |
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 | 8.47% |
| Interest income on loans | $2.6M |
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 | $169.1M | $175.9M | 35.36% | 32.48% | 0.00% |
| Q4 2023 | $170.2M | $181.2M | 32.50% | 37.54% | 0.00% |
| Q1 2024 | $175.4M | $185.1M | 32.10% | 34.96% | 0.00% |
| Q2 2024 | $162.7M | $177.8M | 33.28% | 32.10% | 0.00% |
| Q3 2024 | $157.9M | $178.3M | 32.63% | 32.41% | 0.00% |
| Q4 2024 | $128.7M | $170.6M | 34.84% | 30.00% | 0.00% |
| Q1 2025 | $131.2M | $191.4M | 35.48% | 31.46% | 0.00% |
| Q2 2025 | $114.0M | $186.8M | 42.55% | 26.21% | 0.00% |
| Q3 2025 | $112.4M | $191.8M | 49.93% | 24.87% | 0.00% |
| Q4 2025 | $125.9M | $178.4M | 48.70% | 24.75% | 0.00% |
| Q1 2026 | $126.0M | $183.1M | 50.94% | 22.48% | 0.00% |
| Q2 2026 | $129.4M | $189.5M | 59.55% | 22.24% | 0.00% |
First Bank and Trust Company of Illinois loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank and Trust Company of 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 First Bank and Trust Company of Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18641) · FFIEC NIC profile (RSSD 646444)