The First National Bank in Amboy: 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 CRE concentration (Tier 1 capital + allowance): 1.07 percentage points lower than in Q1 2026, at 25.69%. The First National Bank in Amboy ranks 282nd of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 50.51% (Q2 2026). The First National Bank in Amboy reported 50.51% on loan-to-deposit ratio for Q2 2026, 30.33 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $133.8M |
| Net loans and leases | $131.3M |
| Loans held for sale | $43K |
| Loans to total assets | 41.22% |
| Loan-to-deposit ratio | 50.51% |
| Net loans to equity capital | 4.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.74% |
| Multifamily (5+ residential) | 1.86% |
| Commercial and industrial | 7.26% |
| Consumer | 3.49% |
| Credit cards | 0.00% |
| Farm | 28.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.58% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 25.69% |
| Construction concentration (Tier 1 capital + allowance) | 1.96% |
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 | 6.32% |
| Interest income on loans | $2.1M |
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 | $109.4M | $240.9M | 10.61% | 7.80% | 5.47% |
| Q4 2023 | $117.4M | $242.3M | 10.28% | 8.22% | 4.96% |
| Q1 2024 | $114.6M | $253.4M | 10.93% | 7.66% | 5.11% |
| Q2 2024 | $115.0M | $255.5M | 10.23% | 7.21% | 5.01% |
| Q3 2024 | $120.9M | $249.8M | 10.69% | 7.26% | 4.66% |
| Q4 2024 | $121.5M | $266.3M | 7.47% | 8.86% | 4.51% |
| Q1 2025 | $116.2M | $266.7M | 8.60% | 7.46% | 4.35% |
| Q2 2025 | $123.6M | $246.2M | 9.48% | 7.33% | 4.15% |
| Q3 2025 | $124.9M | $259.1M | 9.20% | 6.68% | 4.11% |
| Q4 2025 | $133.2M | $258.9M | 9.10% | 6.05% | 3.77% |
| Q1 2026 | $131.8M | $260.7M | 11.30% | 7.11% | 3.33% |
| Q2 2026 | $133.8M | $264.9M | 10.74% | 7.26% | 3.49% |
The First National Bank in Amboy loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank in Amboy, 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 The First National Bank in Amboy profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14674) · FFIEC NIC profile (RSSD 656032)