First National Bank of Nokomis: 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 Construction concentration (Tier 1 capital + allowance): 2.32 percentage points higher than in Q1 2026, at 10.82%. Within Illinois, First National Bank of Nokomis is 249th of 323 on loan-to-deposit ratio, 59.20% as of Q2 2026, below the middle of the field. First National Bank of Nokomis reported 59.20% on loan-to-deposit ratio for Q2 2026, 21.64 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $95.1M |
| Net loans and leases | $93.8M |
| Loans held for sale | $0 |
| Loans to total assets | 52.27% |
| Loan-to-deposit ratio | 59.20% |
| Net loans to equity capital | 4.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.63% |
| Multifamily (5+ residential) | 2.36% |
| Commercial and industrial | 10.39% |
| Consumer | 3.74% |
| Credit cards | 0.00% |
| Farm | 33.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.15% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 21.37% |
| Construction concentration (Tier 1 capital + allowance) | 10.82% |
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 | 6.54% |
| Interest income on loans | $1.6M |
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 | $90.7M | $165.0M | 8.38% | 8.02% | 4.47% |
| Q4 2023 | $92.7M | $163.1M | 7.92% | 9.76% | 4.32% |
| Q1 2024 | $92.7M | $158.4M | 7.90% | 9.96% | 4.54% |
| Q2 2024 | $99.2M | $160.4M | 7.53% | 9.92% | 4.33% |
| Q3 2024 | $101.1M | $162.3M | 7.12% | 9.60% | 4.20% |
| Q4 2024 | $96.5M | $161.0M | 7.44% | 9.86% | 4.35% |
| Q1 2025 | $94.5M | $165.0M | 7.69% | 9.42% | 4.31% |
| Q2 2025 | $97.6M | $159.0M | 7.52% | 9.02% | 4.14% |
| Q3 2025 | $97.7M | $154.3M | 8.11% | 8.85% | 4.08% |
| Q4 2025 | $99.5M | $156.7M | 7.96% | 9.51% | 3.73% |
| Q1 2026 | $93.8M | $162.2M | 7.87% | 10.65% | 3.76% |
| Q2 2026 | $95.1M | $160.6M | 8.63% | 10.39% | 3.74% |
First National Bank of Nokomis loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Nokomis, 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 Nokomis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15763) · FFIEC NIC profile (RSSD 330248)