The First National Bank of Brownstown: 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) dropped 2.22 percentage points in Q2 2026, from 13.16% to 10.94%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The First National Bank of Brownstown is 16th from the bottom among 323 Illinois banks, 41.76% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The First National Bank of Brownstown sits 25.86 points lower, at 41.76% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $21.2M |
| Net loans and leases | $20.8M |
| Loans held for sale | $0 |
| Loans to total assets | 36.99% |
| Loan-to-deposit ratio | 41.76% |
| Net loans to equity capital | 3.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.47% |
| Multifamily (5+ residential) | 0.15% |
| Commercial and industrial | 10.24% |
| Consumer | 15.72% |
| Credit cards | 0.00% |
| Farm | 28.32% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.31% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 10.94% |
| Construction concentration (Tier 1 capital + allowance) | 4.44% |
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 | $358K |
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 | $19.8M | $47.5M | 4.89% | 13.54% | 15.94% |
| Q4 2023 | $19.9M | $48.8M | 4.88% | 13.04% | 16.26% |
| Q1 2024 | $20.8M | $49.7M | 6.66% | 11.88% | 15.95% |
| Q2 2024 | $20.9M | $50.3M | 7.90% | 11.05% | 15.78% |
| Q3 2024 | $21.2M | $49.1M | 7.64% | 10.75% | 15.85% |
| Q4 2024 | $21.2M | $50.5M | 7.21% | 11.18% | 15.05% |
| Q1 2025 | $20.7M | $51.8M | 7.38% | 10.69% | 15.00% |
| Q2 2025 | $20.0M | $58.9M | 7.40% | 11.25% | 15.92% |
| Q3 2025 | $20.9M | $49.8M | 7.83% | 10.33% | 15.88% |
| Q4 2025 | $21.5M | $51.1M | 7.50% | 10.07% | 15.43% |
| Q1 2026 | $20.7M | $52.2M | 8.25% | 9.21% | 15.56% |
| Q2 2026 | $21.2M | $50.9M | 8.47% | 10.24% | 15.72% |
The First National Bank of Brownstown 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 Brownstown, 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 Brownstown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3770) · FFIEC NIC profile (RSSD 207041)