First National Bank of Pana: 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.
Cre concentration (tier 1 capital + allowance) climbed 11.47 percentage points in Q2 2026, from 144.14% to 155.61%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First National Bank of Pana is 106th of 323 on loan-to-deposit ratio, 83.36% as of Q2 2026, above the middle of the field. First National Bank of Pana reported 83.36% on loan-to-deposit ratio for Q2 2026, 2.52 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $292.3M |
| Net loans and leases | $289.6M |
| Loans held for sale | $681K |
| Loans to total assets | 74.04% |
| Loan-to-deposit ratio | 83.36% |
| Net loans to equity capital | 6.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.56% |
| Multifamily (5+ residential) | 2.53% |
| Commercial and industrial | 12.40% |
| Consumer | 3.64% |
| Credit cards | 0.00% |
| Farm | 12.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 155.61% |
| Construction concentration (Tier 1 capital + allowance) | 39.98% |
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 | 6.47% |
| Interest income on loans | $4.5M |
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 | $227.5M | $257.5M | 35.66% | 12.66% | 4.43% |
| Q4 2023 | $233.1M | $267.2M | 34.23% | 13.27% | 4.26% |
| Q1 2024 | $237.2M | $275.7M | 33.66% | 13.41% | 4.21% |
| Q2 2024 | $241.9M | $283.2M | 32.71% | 13.98% | 4.14% |
| Q3 2024 | $250.6M | $286.9M | 31.36% | 13.47% | 4.85% |
| Q4 2024 | $259.5M | $300.8M | 30.76% | 12.64% | 4.30% |
| Q1 2025 | $264.2M | $320.7M | 30.62% | 13.31% | 4.12% |
| Q2 2025 | $271.3M | $317.0M | 30.31% | 12.49% | 3.89% |
| Q3 2025 | $275.5M | $341.0M | 30.06% | 13.16% | 3.43% |
| Q4 2025 | $282.5M | $348.7M | 29.10% | 12.97% | 4.30% |
| Q1 2026 | $277.1M | $361.4M | 27.38% | 12.72% | 4.13% |
| Q2 2026 | $292.3M | $350.7M | 27.56% | 12.40% | 3.64% |
First National Bank of Pana loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Pana, 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 Pana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3720) · FFIEC NIC profile (RSSD 860147)