First Bank Chicago: 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 Construction concentration (Tier 1 capital + allowance): 11.50 percentage points higher than in Q1 2026, at 63.89%. Within Illinois, First Bank Chicago is 91st of 323 on loan-to-deposit ratio, 85.72% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; First Bank Chicago reported 85.72% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.53B |
| Net loans and leases | $1.52B |
| Loans held for sale | $0 |
| Loans to total assets | 68.65% |
| Loan-to-deposit ratio | 85.72% |
| Net loans to equity capital | 7.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.29% |
| Multifamily (5+ residential) | 20.06% |
| Commercial and industrial | 50.06% |
| Consumer | 0.08% |
| 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) | 298.55% |
| Construction concentration (Tier 1 capital + allowance) | 63.89% |
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 | 5.82% |
| Interest income on loans | $22.1M |
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 | $1.37B | $1.63B | 14.77% | 44.66% | 0.21% |
| Q4 2023 | $1.33B | $1.54B | 15.09% | 42.25% | 0.18% |
| Q1 2024 | $1.30B | $1.57B | 16.40% | 39.84% | 0.19% |
| Q2 2024 | $1.24B | $1.56B | 16.41% | 38.38% | 0.19% |
| Q3 2024 | $1.25B | $1.56B | 15.51% | 39.80% | 0.21% |
| Q4 2024 | $1.35B | $1.55B | 15.52% | 42.16% | 0.19% |
| Q1 2025 | $1.33B | $1.63B | 15.82% | 44.78% | 0.18% |
| Q2 2025 | $1.37B | $1.62B | 16.08% | 46.15% | 0.10% |
| Q3 2025 | $1.42B | $1.64B | 19.14% | 46.79% | 0.10% |
| Q4 2025 | $1.50B | $1.72B | 19.79% | 46.22% | 0.09% |
| Q1 2026 | $1.48B | $1.75B | 18.26% | 48.92% | 0.08% |
| Q2 2026 | $1.53B | $1.78B | 17.29% | 50.06% | 0.08% |
First Bank Chicago loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank Chicago, 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 Chicago profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17470) · FFIEC NIC profile (RSSD 804338)