First National Bank of Steeleville: 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 CRE concentration (Tier 1 capital + allowance): 1.35 percentage points higher than in Q1 2026, at 38.39%. First National Bank of Steeleville has the 32nd lowest loan-to-deposit ratio of the 323 banks headquartered in Illinois, at 48.30% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First National Bank of Steeleville sits 32.64 points lower, at 48.30% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $110.6M |
| Net loans and leases | $109.4M |
| Loans held for sale | $0 |
| Loans to total assets | 40.29% |
| Loan-to-deposit ratio | 48.30% |
| Net loans to equity capital | 3.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.37% |
| Multifamily (5+ residential) | 0.48% |
| Commercial and industrial | 22.51% |
| Consumer | 11.32% |
| Credit cards | 0.00% |
| Farm | 8.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 38.39% |
| Construction concentration (Tier 1 capital + allowance) | 10.79% |
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 | 6.58% |
| Interest income on loans | $1.8M |
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 | $105.5M | $204.2M | 14.86% | 22.42% | 10.15% |
| Q4 2023 | $105.9M | $193.2M | 14.58% | 22.23% | 10.08% |
| Q1 2024 | $105.1M | $213.4M | 14.59% | 22.20% | 10.22% |
| Q2 2024 | $107.7M | $208.1M | 14.49% | 22.61% | 10.16% |
| Q3 2024 | $110.2M | $216.1M | 13.88% | 22.46% | 10.66% |
| Q4 2024 | $116.5M | $200.8M | 11.44% | 27.41% | 10.25% |
| Q1 2025 | $113.3M | $230.3M | 12.39% | 25.22% | 10.76% |
| Q2 2025 | $113.2M | $231.7M | 12.71% | 25.08% | 10.77% |
| Q3 2025 | $113.4M | $232.5M | 12.91% | 23.04% | 10.76% |
| Q4 2025 | $121.1M | $213.9M | 11.73% | 26.25% | 11.14% |
| Q1 2026 | $114.1M | $235.4M | 12.06% | 23.24% | 11.30% |
| Q2 2026 | $110.6M | $229.0M | 11.37% | 22.51% | 11.32% |
First National Bank of Steeleville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Steeleville, 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 Steeleville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1049) · FFIEC NIC profile (RSSD 129349)