The First National Bank of Assumption: 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 4.17 percentage points in Q2 2026, from 25.40% to 29.57%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The First National Bank of Assumption is 3rd from the bottom among 323 Illinois banks, 29.41% (Q2 2026). The First National Bank of Assumption's loan-to-deposit ratio of 29.41% is well below the 67.62% median for banks in the < $100M asset tier, a gap of 38.21 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $6.7M |
| Net loans and leases | $6.6M |
| Loans held for sale | $0 |
| Loans to total assets | 26.55% |
| Loan-to-deposit ratio | 29.41% |
| Net loans to equity capital | 2.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.43% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.91% |
| Consumer | 19.57% |
| Credit cards | 0.00% |
| Farm | 11.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 5.40% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 29.57% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | — |
| Interest income on loans | $103K |
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 | $5.9M | $23.4M | 8.31% | 13.82% | 16.92% |
| Q4 2023 | $5.7M | $20.9M | 8.41% | 11.44% | 18.52% |
| Q1 2024 | $5.6M | $21.3M | 8.51% | 12.93% | 19.34% |
| Q2 2024 | $5.7M | $21.7M | 8.16% | 9.77% | 19.21% |
| Q3 2024 | $6.4M | $22.2M | 7.20% | 8.62% | 17.17% |
| Q4 2024 | $6.3M | $20.7M | 7.19% | 8.46% | 18.51% |
| Q1 2025 | $6.3M | $22.8M | 7.07% | 8.31% | 19.12% |
| Q2 2025 | $6.4M | $22.9M | 9.67% | 6.95% | 18.96% |
| Q3 2025 | $6.5M | $22.2M | 9.50% | 6.61% | 19.89% |
| Q4 2025 | $6.7M | $20.9M | 10.63% | 6.56% | 23.19% |
| Q1 2026 | $6.6M | $21.8M | 10.58% | 6.09% | 20.23% |
| Q2 2026 | $6.7M | $22.7M | 12.43% | 5.91% | 19.57% |
The First National Bank of Assumption 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 Assumption, 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 Assumption profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3600) · FFIEC NIC profile (RSSD 604033)