First Community Bank of Moultrie County: 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 4.04 percentage points in Q2 2026, from 60.57% to 64.61%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First Community Bank of Moultrie County is 289th of 323 on loan-to-deposit ratio, 48.65% as of Q2 2026, below the middle of the field. First Community Bank of Moultrie County reported 48.65% on loan-to-deposit ratio for Q2 2026, 32.19 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $53.4M |
| Net loans and leases | $52.5M |
| Loans held for sale | $0 |
| Loans to total assets | 44.55% |
| Loan-to-deposit ratio | 48.65% |
| Net loans to equity capital | 5.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.51% |
| Multifamily (5+ residential) | 3.83% |
| Commercial and industrial | 8.43% |
| Consumer | 6.98% |
| Credit cards | 0.00% |
| Farm | 4.90% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 64.61% |
| Construction concentration (Tier 1 capital + allowance) | 17.80% |
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 | 6.59% |
| Interest income on loans | $856K |
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 | $45.2M | $104.5M | 10.35% | 6.28% | 7.40% |
| Q4 2023 | $47.6M | $105.6M | 9.84% | 6.15% | 7.13% |
| Q1 2024 | $46.3M | $103.1M | 10.10% | 7.63% | 7.31% |
| Q2 2024 | $48.4M | $106.2M | 9.74% | 6.64% | 7.14% |
| Q3 2024 | $49.5M | $104.8M | 12.53% | 6.42% | 7.51% |
| Q4 2024 | $51.3M | $104.1M | 12.00% | 7.05% | 7.76% |
| Q1 2025 | $47.0M | $107.7M | 9.71% | 7.94% | 8.26% |
| Q2 2025 | $50.2M | $102.8M | 11.91% | 8.02% | 7.46% |
| Q3 2025 | $51.9M | $110.3M | 11.50% | 7.42% | 7.81% |
| Q4 2025 | $53.1M | $110.9M | 12.51% | 7.97% | 7.37% |
| Q1 2026 | $51.1M | $113.8M | 12.87% | 7.89% | 7.32% |
| Q2 2026 | $53.4M | $109.7M | 12.51% | 8.43% | 6.98% |
First Community Bank of Moultrie County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community Bank of Moultrie County, 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 Moultrie County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3745) · FFIEC NIC profile (RSSD 459644)