First National Bank in Pinckneyville: 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.
Loan-to-deposit ratio climbed 3.47 percentage points in Q2 2026, from 52.63% to 56.11%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First National Bank in Pinckneyville is 254th of 323 on loan-to-deposit ratio, 56.11% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First National Bank in Pinckneyville sits 24.84 points lower, at 56.11% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $69.9M |
| Net loans and leases | $69.2M |
| Loans held for sale | $0 |
| Loans to total assets | 50.47% |
| Loan-to-deposit ratio | 56.11% |
| Net loans to equity capital | 5.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.67% |
| Multifamily (5+ residential) | 0.49% |
| Commercial and industrial | 1.18% |
| Consumer | 8.24% |
| Credit cards | 0.00% |
| Farm | 3.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 45.94% |
| Construction concentration (Tier 1 capital + allowance) | 33.65% |
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 | 6.15% |
| Interest income on loans | $1.0M |
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 | $51.0M | $120.7M | 10.56% | 2.20% | 9.20% |
| Q4 2023 | $51.3M | $119.4M | 10.34% | 2.37% | 9.23% |
| Q1 2024 | $52.4M | $115.5M | 9.81% | 2.30% | 9.19% |
| Q2 2024 | $54.0M | $122.8M | 9.43% | 2.15% | 9.92% |
| Q3 2024 | $55.8M | $118.6M | 10.51% | 2.09% | 10.14% |
| Q4 2024 | $56.8M | $127.7M | 10.85% | 1.91% | 9.93% |
| Q1 2025 | $57.5M | $126.0M | 10.90% | 1.78% | 9.64% |
| Q2 2025 | $60.6M | $125.8M | 10.51% | 2.00% | 9.28% |
| Q3 2025 | $63.2M | $120.6M | 9.86% | 1.80% | 9.07% |
| Q4 2025 | $64.9M | $124.2M | 9.35% | 1.64% | 9.08% |
| Q1 2026 | $66.0M | $125.4M | 9.17% | 1.58% | 8.78% |
| Q2 2026 | $69.9M | $124.5M | 10.67% | 1.18% | 8.24% |
First National Bank in Pinckneyville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in Pinckneyville, 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 in Pinckneyville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13813) · FFIEC NIC profile (RSSD 340443)