The First National Bank of Raymond: 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) dropped 26.92 percentage points in Q2 2026, from 90.67% to 63.75%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The First National Bank of Raymond is 31st from the bottom among 323 Illinois banks, 47.99% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The First National Bank of Raymond sits 32.85 points lower, at 47.99% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $82.7M |
| Net loans and leases | $81.6M |
| Loans held for sale | $0 |
| Loans to total assets | 44.20% |
| Loan-to-deposit ratio | 47.99% |
| Net loans to equity capital | 5.84% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.92% |
| Multifamily (5+ residential) | 0.20% |
| Commercial and industrial | 4.21% |
| Consumer | 2.79% |
| Credit cards | 0.00% |
| Farm | 36.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.72% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 63.75% |
| Construction concentration (Tier 1 capital + allowance) | 7.36% |
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 | 6.22% |
| Interest income on loans | $1.4M |
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 | $82.0M | $170.2M | 11.73% | 8.97% | 3.65% |
| Q4 2023 | $88.5M | $160.1M | 10.89% | 10.07% | 3.29% |
| Q1 2024 | $85.5M | $159.1M | 12.01% | 8.05% | 3.42% |
| Q2 2024 | $82.1M | $155.1M | 12.26% | 6.56% | 3.29% |
| Q3 2024 | $83.0M | $157.5M | 11.97% | 6.40% | 3.15% |
| Q4 2024 | $86.8M | $155.3M | 11.61% | 6.91% | 2.92% |
| Q1 2025 | $87.3M | $159.0M | 13.05% | 8.37% | 2.78% |
| Q2 2025 | $80.3M | $167.5M | 13.74% | 5.32% | 2.81% |
| Q3 2025 | $81.5M | $167.9M | 15.01% | 4.91% | 2.79% |
| Q4 2025 | $91.0M | $164.2M | 14.73% | 8.28% | 2.34% |
| Q1 2026 | $92.5M | $169.9M | 19.56% | 9.13% | 2.36% |
| Q2 2026 | $82.7M | $172.3M | 14.92% | 4.21% | 2.79% |
The First National Bank of Raymond 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 Raymond, 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 Raymond profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3830) · FFIEC NIC profile (RSSD 421445)