The First National Bank of Sparta: 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: 2.52 percentage points lower than in Q1 2026, at 12.13%. Within Illinois, The First National Bank of Sparta is 286th of 323 on loan-to-deposit ratio, 49.29% as of Q2 2026, below 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 Sparta sits 31.55 points lower, at 49.29% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $49.8M |
| Net loans and leases | $49.2M |
| Loans held for sale | $0 |
| Loans to total assets | 43.48% |
| Loan-to-deposit ratio | 49.29% |
| Net loans to equity capital | 3.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.56% |
| Multifamily (5+ residential) | 3.13% |
| Commercial and industrial | 12.13% |
| Consumer | 26.09% |
| Credit cards | 0.00% |
| Farm | 2.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.60% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 31.40% |
| Construction concentration (Tier 1 capital + allowance) | 10.38% |
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 | 7.50% |
| Interest income on loans | $923K |
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 | $42.0M | $92.2M | 3.87% | 15.82% | 19.64% |
| Q4 2023 | $42.6M | $91.6M | 3.71% | 15.85% | 19.47% |
| Q1 2024 | $42.4M | $90.3M | 3.64% | 15.44% | 20.96% |
| Q2 2024 | $42.7M | $85.1M | 3.59% | 15.82% | 21.80% |
| Q3 2024 | $43.1M | $86.4M | 3.62% | 15.41% | 22.16% |
| Q4 2024 | $43.8M | $93.0M | 4.06% | 15.45% | 22.47% |
| Q1 2025 | $43.2M | $94.8M | 4.15% | 14.86% | 23.04% |
| Q2 2025 | $44.4M | $92.6M | 3.80% | 14.04% | 24.82% |
| Q3 2025 | $45.3M | $96.4M | 3.73% | 14.09% | 24.66% |
| Q4 2025 | $47.9M | $99.1M | 3.41% | 15.08% | 27.35% |
| Q1 2026 | $48.3M | $101.5M | 3.17% | 14.65% | 26.42% |
| Q2 2026 | $49.8M | $101.1M | 5.56% | 12.13% | 26.09% |
The First National Bank of Sparta 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 Sparta, 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 Sparta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3837) · FFIEC NIC profile (RSSD 246947)