First National Bank of Lacon: 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.
Loans to total assets dropped 9.20 percentage points in Q2 2026, from 73.20% to 64.00%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First National Bank of Lacon is 195th of 323 on loan-to-deposit ratio, 71.65% as of Q2 2026, below the middle of the field. First National Bank of Lacon reported 71.65% on loan-to-deposit ratio for Q2 2026, 9.19 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $66.4M |
| Net loans and leases | $65.9M |
| Loans held for sale | $0 |
| Loans to total assets | 64.00% |
| Loan-to-deposit ratio | 71.65% |
| Net loans to equity capital | 6.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.57% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 15.47% |
| Consumer | 7.24% |
| Credit cards | 0.00% |
| Farm | 38.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.88% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 14.43% |
| 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 | 5.83% |
| Interest income on loans | $979K |
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 | $54.2M | $81.3M | 5.03% | 15.26% | 9.64% |
| Q4 2023 | $54.5M | $74.1M | 4.36% | 15.13% | 9.49% |
| Q1 2024 | $59.1M | $77.7M | 4.11% | 17.52% | 8.98% |
| Q2 2024 | $59.9M | $93.0M | 4.61% | 16.58% | 8.63% |
| Q3 2024 | $60.0M | $87.5M | 4.48% | 14.86% | 8.57% |
| Q4 2024 | $59.3M | $93.5M | 4.74% | 15.71% | 8.55% |
| Q1 2025 | $61.6M | $83.4M | 4.57% | 17.77% | 7.77% |
| Q2 2025 | $64.7M | $99.2M | 4.37% | 17.28% | 8.21% |
| Q3 2025 | $67.4M | $92.4M | 4.60% | 14.82% | 8.38% |
| Q4 2025 | $66.8M | $87.8M | 4.60% | 14.21% | 8.18% |
| Q1 2026 | $68.2M | $85.3M | 4.44% | 15.47% | 7.40% |
| Q2 2026 | $66.4M | $92.7M | 4.57% | 15.47% | 7.24% |
First National Bank of Lacon loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Lacon, 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 Lacon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3688) · FFIEC NIC profile (RSSD 824738)