First National Bank of Brookfield: 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.
Construction concentration (tier 1 capital + allowance) climbed 17.66 percentage points in Q2 2026, from 112.94% to 130.60%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First National Bank of Brookfield ranks 5th highest among the 323 banks headquartered in Illinois, at 118.12% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First National Bank of Brookfield sits 37.17 points higher, at 118.12% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $395.3M |
| Net loans and leases | $389.3M |
| Loans held for sale | $2.1M |
| Loans to total assets | 94.21% |
| Loan-to-deposit ratio | 118.12% |
| Net loans to equity capital | 6.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.17% |
| Multifamily (5+ residential) | 46.31% |
| Commercial and industrial | 0.33% |
| Consumer | 0.22% |
| Credit cards | 0.04% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 467.10% |
| Construction concentration (Tier 1 capital + allowance) | 130.60% |
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 | 6.75% |
| Interest income on loans | $6.6M |
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 | $299.6M | $264.0M | 13.80% | 0.84% | 5.48% |
| Q4 2023 | $293.8M | $262.4M | 13.89% | 0.54% | 5.77% |
| Q1 2024 | $303.3M | $267.3M | 13.85% | 0.46% | 5.24% |
| Q2 2024 | $309.8M | $264.6M | 13.59% | 0.44% | 5.26% |
| Q3 2024 | $311.9M | $275.8M | 13.79% | 0.34% | 4.92% |
| Q4 2024 | $313.9M | $278.0M | 14.68% | 0.22% | 5.20% |
| Q1 2025 | $322.6M | $286.7M | 15.02% | 0.15% | 4.82% |
| Q2 2025 | $350.5M | $303.5M | 14.74% | 0.12% | 4.13% |
| Q3 2025 | $355.4M | $317.6M | 14.36% | 0.13% | 4.05% |
| Q4 2025 | $373.1M | $323.4M | 13.04% | 0.11% | 3.46% |
| Q1 2026 | $386.6M | $339.8M | 13.01% | 0.13% | 2.89% |
| Q2 2026 | $395.3M | $334.7M | 14.17% | 0.33% | 0.22% |
First National Bank of Brookfield loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Brookfield, 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 of Brookfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18564) · FFIEC NIC profile (RSSD 465038)