The First National Bank of Litchfield: 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 Commercial and industrial: 1.82 percentage points lower than in Q1 2026, at 14.72%. Within Illinois, The First National Bank of Litchfield is 92nd of 323 on loan-to-deposit ratio, 85.50% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The First National Bank of Litchfield sits 4.66 points higher, at 85.50% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $112.7M |
| Net loans and leases | $111.3M |
| Loans held for sale | $0 |
| Loans to total assets | 74.93% |
| Loan-to-deposit ratio | 85.50% |
| Net loans to equity capital | 6.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.50% |
| Multifamily (5+ residential) | 0.39% |
| Commercial and industrial | 14.72% |
| Consumer | 3.70% |
| Credit cards | 0.00% |
| Farm | 28.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.33% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 33.33% |
| Construction concentration (Tier 1 capital + allowance) | 21.51% |
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 | — |
| Interest income on loans | $1.8M |
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 | $92.7M | $118.0M | 12.25% | 10.78% | 4.30% |
| Q4 2023 | $98.0M | $114.7M | 11.32% | 9.72% | 4.86% |
| Q1 2024 | $96.1M | $115.1M | 11.38% | 9.99% | 4.65% |
| Q2 2024 | $95.6M | $107.8M | 11.20% | 10.13% | 4.67% |
| Q3 2024 | $97.0M | $105.6M | 11.15% | 10.69% | 4.45% |
| Q4 2024 | $102.3M | $109.0M | 10.47% | 9.96% | 4.43% |
| Q1 2025 | $106.5M | $122.4M | 10.06% | 14.11% | 3.94% |
| Q2 2025 | $105.2M | $122.7M | 10.09% | 12.33% | 3.67% |
| Q3 2025 | $105.0M | $119.2M | 9.83% | 11.80% | 3.81% |
| Q4 2025 | $114.3M | $124.6M | 8.27% | 13.39% | 3.53% |
| Q1 2026 | $112.9M | $133.0M | 8.52% | 16.54% | 3.58% |
| Q2 2026 | $112.7M | $131.8M | 8.50% | 14.72% | 3.70% |
The First National Bank of Litchfield 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 Litchfield, 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 Litchfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3807) · FFIEC NIC profile (RSSD 370347)