The First National Bank of Carmi: 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 3.85 percentage points in Q2 2026, from 74.69% to 78.54%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Carmi ranks 141st of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 78.54% (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 Carmi reported 78.54% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $428.5M |
| Net loans and leases | $422.6M |
| Loans held for sale | $833K |
| Loans to total assets | 68.86% |
| Loan-to-deposit ratio | 78.54% |
| Net loans to equity capital | 5.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.79% |
| Multifamily (5+ residential) | 4.37% |
| Commercial and industrial | 20.05% |
| Consumer | 0.52% |
| Credit cards | 0.00% |
| Farm | 15.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 165.50% |
| Construction concentration (Tier 1 capital + allowance) | 10.51% |
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 | 6.80% |
| Interest income on loans | $7.2M |
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 | $442.8M | $528.6M | 34.57% | 22.53% | 0.72% |
| Q4 2023 | $452.3M | $556.9M | 33.89% | 21.13% | 0.75% |
| Q1 2024 | $445.4M | $546.1M | 34.14% | 21.78% | 0.72% |
| Q2 2024 | $451.0M | $526.9M | 33.53% | 23.11% | 0.74% |
| Q3 2024 | $450.5M | $518.0M | 33.23% | 22.76% | 0.73% |
| Q4 2024 | $459.5M | $518.1M | 35.08% | 22.42% | 0.58% |
| Q1 2025 | $441.0M | $547.7M | 36.80% | 22.65% | 0.60% |
| Q2 2025 | $451.4M | $521.0M | 37.21% | 22.36% | 0.67% |
| Q3 2025 | $444.8M | $514.8M | 37.89% | 22.04% | 0.61% |
| Q4 2025 | $442.3M | $527.1M | 38.46% | 21.12% | 0.57% |
| Q1 2026 | $415.2M | $555.9M | 39.01% | 20.42% | 0.54% |
| Q2 2026 | $428.5M | $545.5M | 38.79% | 20.05% | 0.52% |
The First National Bank of Carmi 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 Carmi, 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 Carmi profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3777) · FFIEC NIC profile (RSSD 209148)