The First Bank and Trust Company of Murphysboro: 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 9.28 percentage points lower than in Q1 2026, at 99.84%. Within Illinois, The First Bank and Trust Company of Murphysboro is 220th of 323 on loan-to-deposit ratio, 66.91% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio; The First Bank and Trust Company of Murphysboro reported 66.91% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $50.9M |
| Net loans and leases | $50.3M |
| Loans held for sale | $0 |
| Loans to total assets | 61.30% |
| Loan-to-deposit ratio | 66.91% |
| Net loans to equity capital | 7.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.76% |
| Multifamily (5+ residential) | 7.92% |
| Commercial and industrial | 11.44% |
| Consumer | 8.11% |
| Credit cards | 0.00% |
| Farm | 0.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 6.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 99.84% |
| Construction concentration (Tier 1 capital + allowance) | 23.64% |
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 | 6.04% |
| Interest income on loans | $781K |
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 | $59.4M | $84.7M | 35.92% | 11.93% | 10.80% |
| Q4 2023 | $61.3M | $83.0M | 34.64% | 12.71% | 10.08% |
| Q1 2024 | $60.0M | $85.1M | 37.03% | 12.51% | 11.41% |
| Q2 2024 | $59.2M | $84.6M | 37.14% | 11.52% | 11.34% |
| Q3 2024 | $58.3M | $81.5M | 37.83% | 13.52% | 9.51% |
| Q4 2024 | $58.4M | $77.4M | 34.82% | 19.57% | 8.70% |
| Q1 2025 | $57.4M | $80.8M | 21.61% | 8.68% | 10.25% |
| Q2 2025 | $54.5M | $78.7M | 21.51% | 8.70% | 10.27% |
| Q3 2025 | $53.6M | $76.0M | 21.15% | 8.57% | 9.49% |
| Q4 2025 | $53.7M | $76.5M | 21.52% | 9.10% | 8.86% |
| Q1 2026 | $52.7M | $75.8M | 22.22% | 9.87% | 8.32% |
| Q2 2026 | $50.9M | $76.1M | 21.76% | 11.44% | 8.11% |
The First Bank and Trust Company of Murphysboro loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Bank and Trust Company of Murphysboro, 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 The First Bank and Trust Company of Murphysboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3818) · FFIEC NIC profile (RSSD 303747)