First Federal Savings Bank of Mascoutah, Illinois: 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 19.74 percentage points in Q2 2026, from 116.18% to 135.92%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First Federal Savings Bank of Mascoutah, Illinois is 72nd of 323 on loan-to-deposit ratio, 88.18% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Federal Savings Bank of Mascoutah, Illinois sits 7.34 points higher, at 88.18% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $163.4M |
| Net loans and leases | $161.8M |
| Loans held for sale | $0 |
| Loans to total assets | 78.83% |
| Loan-to-deposit ratio | 88.18% |
| Net loans to equity capital | 8.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.99% |
| Multifamily (5+ residential) | 12.59% |
| Commercial and industrial | 14.16% |
| Consumer | 1.68% |
| Credit cards | 0.00% |
| Farm | 8.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.59% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 135.92% |
| Construction concentration (Tier 1 capital + allowance) | 36.25% |
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 | 6.07% |
| Interest income on loans | $2.4M |
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 | $139.0M | $150.9M | 3.32% | 19.61% | 1.57% |
| Q4 2023 | $140.2M | $152.8M | 4.00% | 20.21% | 1.70% |
| Q1 2024 | $137.2M | $155.9M | 3.85% | 19.59% | 1.99% |
| Q2 2024 | $135.2M | $161.1M | 4.48% | 21.25% | 1.80% |
| Q3 2024 | $141.0M | $159.2M | 4.18% | 21.94% | 1.61% |
| Q4 2024 | $155.0M | $166.8M | 4.01% | 23.46% | 1.69% |
| Q1 2025 | $151.7M | $173.2M | 4.62% | 22.91% | 1.87% |
| Q2 2025 | $154.1M | $176.9M | 4.96% | 20.77% | 1.88% |
| Q3 2025 | $153.8M | $172.9M | 4.94% | 19.08% | 1.91% |
| Q4 2025 | $152.6M | $178.7M | 4.91% | 16.37% | 1.86% |
| Q1 2026 | $158.0M | $182.3M | 4.62% | 15.40% | 1.78% |
| Q2 2026 | $163.4M | $185.3M | 4.99% | 14.16% | 1.68% |
First Federal Savings Bank of Mascoutah, Illinois loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings Bank of Mascoutah, Illinois, 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 Bank of Mascoutah, Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30969) · FFIEC NIC profile (RSSD 966272)