First National Bank of Waterloo: 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.
Loans to total assets climbed 2.31 percentage points in Q2 2026, from 56.70% to 59.02%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, First National Bank of Waterloo is 203rd of 323 on loan-to-deposit ratio, 70.35% 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. First National Bank of Waterloo sits 10.49 points lower, at 70.35% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $548.5M |
| Net loans and leases | $539.9M |
| Loans held for sale | $729K |
| Loans to total assets | 59.02% |
| Loan-to-deposit ratio | 70.35% |
| Net loans to equity capital | 5.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.06% |
| Multifamily (5+ residential) | 11.55% |
| Commercial and industrial | 7.86% |
| Consumer | 0.74% |
| Credit cards | 0.00% |
| Farm | 4.17% |
| Loans to depository institutions | 1.02% |
| State and political subdivisions | 0.44% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 213.74% |
| Construction concentration (Tier 1 capital + allowance) | 44.45% |
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 | 6.12% |
| Interest income on loans | $8.3M |
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 | $535.2M | $768.6M | 30.94% | 10.02% | 1.51% |
| Q4 2023 | $532.7M | $778.8M | 30.53% | 9.89% | 1.47% |
| Q1 2024 | $531.2M | $771.7M | 30.84% | 9.36% | 1.28% |
| Q2 2024 | $537.4M | $764.6M | 30.28% | 10.04% | 1.19% |
| Q3 2024 | $536.6M | $770.9M | 29.13% | 9.62% | 1.14% |
| Q4 2024 | $523.3M | $775.2M | 27.76% | 8.76% | 1.07% |
| Q1 2025 | $534.5M | $765.3M | 26.57% | 8.50% | 1.03% |
| Q2 2025 | $531.5M | $774.3M | 26.21% | 9.28% | 0.88% |
| Q3 2025 | $543.6M | $764.9M | 28.11% | 8.73% | 0.85% |
| Q4 2025 | $543.2M | $764.5M | 28.80% | 8.78% | 0.75% |
| Q1 2026 | $538.0M | $788.7M | 29.45% | 7.64% | 0.72% |
| Q2 2026 | $548.5M | $779.6M | 29.06% | 7.86% | 0.74% |
First National Bank of Waterloo loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Waterloo, 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 Waterloo profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3842) · FFIEC NIC profile (RSSD 145545)