First National Bank in Taylorville: 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 10.44 percentage points in Q2 2026, from 38.22% to 48.67%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First National Bank in Taylorville is 273rd of 323 on loan-to-deposit ratio, 52.31% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First National Bank in Taylorville sits 28.25 points lower, at 52.31% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $91.0M |
| Net loans and leases | $89.9M |
| Loans held for sale | $0 |
| Loans to total assets | 45.46% |
| Loan-to-deposit ratio | 52.31% |
| Net loans to equity capital | 3.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.03% |
| Multifamily (5+ residential) | 2.29% |
| Commercial and industrial | 12.17% |
| Consumer | 5.02% |
| Credit cards | 0.00% |
| Farm | 25.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.86% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 48.67% |
| Construction concentration (Tier 1 capital + allowance) | 39.93% |
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 | 6.46% |
| Interest income on loans | $1.4M |
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 | $62.9M | $172.0M | 18.63% | 10.58% | 6.70% |
| Q4 2023 | $62.5M | $166.1M | 14.13% | 10.31% | 6.25% |
| Q1 2024 | $61.6M | $168.1M | 13.79% | 11.00% | 6.23% |
| Q2 2024 | $64.3M | $164.9M | 12.55% | 9.89% | 9.54% |
| Q3 2024 | $64.9M | $167.0M | 11.77% | 9.90% | 8.93% |
| Q4 2024 | $66.0M | $168.8M | 11.30% | 9.18% | 9.28% |
| Q1 2025 | $65.4M | $171.6M | 12.46% | 10.30% | 9.46% |
| Q2 2025 | $75.9M | $169.6M | 10.46% | 13.17% | 7.65% |
| Q3 2025 | $78.0M | $169.7M | 12.01% | 12.20% | 6.88% |
| Q4 2025 | $82.0M | $172.6M | 10.72% | 12.31% | 6.11% |
| Q1 2026 | $81.0M | $175.3M | 10.31% | 12.44% | 6.06% |
| Q2 2026 | $91.0M | $173.9M | 9.03% | 12.17% | 5.02% |
First National Bank in Taylorville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in Taylorville, 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 Taylorville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17572) · FFIEC NIC profile (RSSD 177443)