First Community Bank of Hillsboro: 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 Loan-to-deposit ratio: 1.97 percentage points higher than in Q1 2026, at 85.49%. First Community Bank of Hillsboro ranks 93rd of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 85.49% (Q2 2026). First Community Bank of Hillsboro reported 85.49% on loan-to-deposit ratio for Q2 2026, 4.65 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $88.2M |
| Net loans and leases | $87.3M |
| Loans held for sale | $0 |
| Loans to total assets | 66.20% |
| Loan-to-deposit ratio | 85.49% |
| Net loans to equity capital | 6.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.73% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.02% |
| Consumer | 3.67% |
| Credit cards | 0.00% |
| Farm | 37.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.82% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 8.24% |
| Construction concentration (Tier 1 capital + allowance) | 2.36% |
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 | — |
| Interest income on loans | $1.3M |
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 | $70.8M | $111.1M | 8.37% | 6.46% | 3.65% |
| Q4 2023 | $73.2M | $104.1M | 8.02% | 6.19% | 3.78% |
| Q1 2024 | $70.9M | $100.7M | 8.16% | 6.75% | 3.82% |
| Q2 2024 | $74.4M | $109.7M | 7.70% | 6.86% | 3.80% |
| Q3 2024 | $74.7M | $98.0M | 8.21% | 7.19% | 3.93% |
| Q4 2024 | $77.4M | $95.6M | 8.29% | 7.07% | 3.54% |
| Q1 2025 | $77.1M | $100.8M | 8.19% | 6.50% | 3.36% |
| Q2 2025 | $79.0M | $100.9M | 7.98% | 6.60% | 3.98% |
| Q3 2025 | $80.5M | $107.0M | 9.06% | 5.40% | 3.35% |
| Q4 2025 | $86.9M | $103.7M | 8.14% | 4.96% | 3.22% |
| Q1 2026 | $87.2M | $104.4M | 8.11% | 4.75% | 3.32% |
| Q2 2026 | $88.2M | $103.2M | 7.73% | 4.02% | 3.67% |
First Community Bank of Hillsboro loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community Bank of Hillsboro, 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 Community Bank of Hillsboro profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34752) · FFIEC NIC profile (RSSD 2696180)