The First National Bank of Allendale: 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 4.10 percentage points in Q2 2026, from 72.21% to 76.30%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Allendale ranks 155th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 76.30% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The First National Bank of Allendale sits 4.53 points lower, at 76.30% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $281.7M |
| Net loans and leases | $279.0M |
| Loans held for sale | $0 |
| Loans to total assets | 66.87% |
| Loan-to-deposit ratio | 76.30% |
| Net loans to equity capital | 7.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.77% |
| Multifamily (5+ residential) | 3.20% |
| Commercial and industrial | 13.94% |
| Consumer | 6.68% |
| Credit cards | 0.18% |
| Farm | 28.82% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.22% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 68.52% |
| Construction concentration (Tier 1 capital + allowance) | 15.78% |
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 | 6.56% |
| Interest income on loans | $4.6M |
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 | $255.7M | $316.1M | 9.75% | 16.01% | 7.83% |
| Q4 2023 | $262.7M | $327.5M | 9.08% | 14.75% | 7.28% |
| Q1 2024 | $253.5M | $341.5M | 9.25% | 15.72% | 7.47% |
| Q2 2024 | $257.9M | $338.8M | 8.48% | 15.62% | 7.37% |
| Q3 2024 | $259.3M | $332.7M | 8.46% | 15.09% | 7.67% |
| Q4 2024 | $270.7M | $334.2M | 8.39% | 15.34% | 7.38% |
| Q1 2025 | $267.1M | $346.0M | 8.61% | 15.02% | 7.41% |
| Q2 2025 | $267.1M | $343.7M | 8.36% | 14.91% | 7.39% |
| Q3 2025 | $269.1M | $340.6M | 8.69% | 15.30% | 7.21% |
| Q4 2025 | $277.5M | $383.1M | 8.37% | 13.10% | 6.76% |
| Q1 2026 | $274.1M | $379.7M | 8.69% | 13.50% | 6.81% |
| Q2 2026 | $281.7M | $369.1M | 8.77% | 13.94% | 6.68% |
The First National Bank of Allendale loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Allendale, 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 of Allendale profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12365) · FFIEC NIC profile (RSSD 990642)