First Federal Savings and Loan Association of Central Illinois, S.B.: 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 6.50 percentage points in Q2 2026, from 175.23% to 181.73%. It was the largest change from Q1 2026 among the key lines here. First Federal Savings and Loan Association of Central Illinois, S.B. ranks 105th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 83.38% (Q2 2026). First Federal Savings and Loan Association of Central Illinois, S.B. reported 83.38% on loan-to-deposit ratio for Q2 2026, 2.54 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $168.1M |
| Net loans and leases | $166.1M |
| Loans held for sale | $0 |
| Loans to total assets | 71.52% |
| Loan-to-deposit ratio | 83.38% |
| Net loans to equity capital | 6.41% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.74% |
| Multifamily (5+ residential) | 4.41% |
| Commercial and industrial | 11.38% |
| Consumer | 7.05% |
| Credit cards | 0.00% |
| Farm | 4.80% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 181.73% |
| Construction concentration (Tier 1 capital + allowance) | 26.07% |
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 | 7.19% |
| Interest income on loans | $3.0M |
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 | $141.3M | $161.7M | 33.66% | 12.16% | 6.07% |
| Q4 2023 | $145.4M | $168.0M | 34.50% | 12.24% | 5.89% |
| Q1 2024 | $147.4M | $170.3M | 34.47% | 12.46% | 6.02% |
| Q2 2024 | $147.9M | $172.9M | 34.25% | 13.00% | 6.42% |
| Q3 2024 | $145.2M | $173.3M | 33.24% | 13.52% | 6.83% |
| Q4 2024 | $147.3M | $182.6M | 32.81% | 13.34% | 7.00% |
| Q1 2025 | $146.3M | $184.1M | 32.40% | 13.19% | 7.08% |
| Q2 2025 | $152.9M | $180.2M | 32.86% | 12.48% | 7.04% |
| Q3 2025 | $160.8M | $187.5M | 33.29% | 12.27% | 6.93% |
| Q4 2025 | $163.6M | $188.2M | 35.33% | 10.74% | 6.56% |
| Q1 2026 | $163.9M | $193.3M | 33.09% | 10.91% | 6.80% |
| Q2 2026 | $168.1M | $201.5M | 32.74% | 11.38% | 7.05% |
First Federal Savings and Loan Association of Central Illinois, S.B. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings and Loan Association of Central Illinois, S.B., 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 Federal Savings and Loan Association of Central Illinois, S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29645) · FFIEC NIC profile (RSSD 399973)