First National Bank and Trust Company: 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 30.94 percentage points in Q2 2026, from 91.11% to 122.05%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First National Bank and Trust Company is 18th from the bottom among 323 Illinois banks, 43.02% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First National Bank and Trust Company sits 37.93 points lower, at 43.02% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $157.0M |
| Net loans and leases | $155.9M |
| Loans held for sale | $0 |
| Loans to total assets | 40.45% |
| Loan-to-deposit ratio | 43.02% |
| Net loans to equity capital | 39.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.68% |
| Multifamily (5+ residential) | 0.94% |
| Commercial and industrial | 11.54% |
| Consumer | 1.23% |
| Credit cards | 0.00% |
| Farm | 17.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 122.05% |
| Construction concentration (Tier 1 capital + allowance) | 4.96% |
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 | 6.45% |
| Interest income on loans | $2.5M |
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 | $130.3M | $339.3M | 12.24% | 7.99% | 2.84% |
| Q4 2023 | $129.6M | $387.2M | 12.37% | 10.16% | 2.82% |
| Q1 2024 | $127.8M | $377.2M | 12.22% | 11.49% | 3.35% |
| Q2 2024 | $122.2M | $380.1M | 13.21% | 10.40% | 3.24% |
| Q3 2024 | $124.0M | $393.0M | 11.52% | 13.55% | 2.95% |
| Q4 2024 | $119.8M | $382.8M | 9.69% | 14.21% | 3.06% |
| Q1 2025 | $123.3M | $388.1M | 12.37% | 11.75% | 2.50% |
| Q2 2025 | $122.4M | $385.6M | 9.92% | 14.41% | 2.25% |
| Q3 2025 | $145.7M | $379.4M | 20.08% | 17.48% | 1.82% |
| Q4 2025 | $143.2M | $371.4M | 18.40% | 20.91% | 1.53% |
| Q1 2026 | $147.0M | $364.5M | 30.56% | 12.62% | 1.35% |
| Q2 2026 | $157.0M | $364.9M | 34.68% | 11.54% | 1.23% |
First National Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank and Trust Company, 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 National Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3639) · FFIEC NIC profile (RSSD 32234)