The First National Bank of Okawville: 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): 1.08 percentage points higher than in Q1 2026, at 5.45%. On loan-to-deposit ratio, The First National Bank of Okawville is 13th from the bottom among 323 Illinois banks, 35.98% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The First National Bank of Okawville sits 31.65 points lower, at 35.98% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $21.1M |
| Net loans and leases | $20.9M |
| Loans held for sale | $0 |
| Loans to total assets | 31.87% |
| Loan-to-deposit ratio | 35.98% |
| Net loans to equity capital | 2.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.31% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.04% |
| Consumer | 3.80% |
| Credit cards | 0.00% |
| Farm | 32.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 21.94% |
| Construction concentration (Tier 1 capital + allowance) | 5.45% |
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 | 6.29% |
| Interest income on loans | $346K |
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 | $22.1M | $60.9M | 8.08% | 1.72% | 4.63% |
| Q4 2023 | $23.2M | $65.5M | 7.58% | 5.27% | 4.05% |
| Q1 2024 | $23.2M | $63.4M | 7.59% | 6.66% | 3.96% |
| Q2 2024 | $23.8M | $60.8M | 8.04% | 7.83% | 4.17% |
| Q3 2024 | $25.6M | $54.9M | 7.37% | 8.97% | 3.94% |
| Q4 2024 | $25.1M | $57.2M | 7.73% | 4.09% | 3.62% |
| Q1 2025 | $23.1M | $59.3M | 8.93% | 5.76% | 3.71% |
| Q2 2025 | $21.0M | $56.9M | 9.73% | 6.56% | 4.12% |
| Q3 2025 | $22.4M | $56.8M | 8.98% | 6.76% | 3.70% |
| Q4 2025 | $22.9M | $60.1M | 8.71% | 6.62% | 3.72% |
| Q1 2026 | $22.9M | $63.7M | 8.63% | 8.09% | 3.84% |
| Q2 2026 | $21.1M | $58.7M | 9.31% | 8.04% | 3.80% |
The First National Bank of Okawville 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 Okawville, 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 Okawville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3826) · FFIEC NIC profile (RSSD 333940)