The First National Bank of Ava: 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 Construction concentration (Tier 1 capital + allowance): 4.38 percentage points higher than in Q1 2026, at 20.16%. The First National Bank of Ava ranks 231st of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 64.65% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The First National Bank of Ava sits 2.97 points lower, at 64.65% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $45.0M |
| Net loans and leases | $44.2M |
| Loans held for sale | $0 |
| Loans to total assets | 57.41% |
| Loan-to-deposit ratio | 64.65% |
| Net loans to equity capital | 5.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.79% |
| Multifamily (5+ residential) | 0.58% |
| Commercial and industrial | 4.70% |
| Consumer | 7.16% |
| Credit cards | 0.00% |
| Farm | 16.92% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.33% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 35.06% |
| Construction concentration (Tier 1 capital + allowance) | 20.16% |
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 | 6.82% |
| Interest income on loans | $740K |
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 | $33.9M | $62.5M | 9.12% | 7.99% | 6.92% |
| Q4 2023 | $33.3M | $64.7M | 9.52% | 7.73% | 6.86% |
| Q1 2024 | $32.1M | $66.5M | 10.10% | 8.23% | 7.47% |
| Q2 2024 | $32.6M | $65.3M | 10.04% | 8.15% | 7.39% |
| Q3 2024 | $34.9M | $66.1M | 9.24% | 8.08% | 8.82% |
| Q4 2024 | $36.9M | $67.3M | 8.75% | 7.43% | 9.53% |
| Q1 2025 | $36.7M | $70.6M | 8.54% | 7.86% | 11.05% |
| Q2 2025 | $37.2M | $69.5M | 8.80% | 7.40% | 10.57% |
| Q3 2025 | $40.9M | $67.4M | 13.78% | 5.38% | 9.70% |
| Q4 2025 | $43.3M | $68.0M | 14.53% | 5.75% | 8.16% |
| Q1 2026 | $42.5M | $69.9M | 14.91% | 5.16% | 7.59% |
| Q2 2026 | $45.0M | $69.5M | 13.79% | 4.70% | 7.16% |
The First National Bank of Ava 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 Ava, 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 Ava profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3761) · FFIEC NIC profile (RSSD 858443)