First Neighbor Bank, N.A.: 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): 1.64 percentage points lower than in Q1 2026, at 98.52%. Within Illinois, First Neighbor Bank, N.A. is 79th of 323 on loan-to-deposit ratio, 87.51% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Neighbor Bank, N.A. sits 6.67 points higher, at 87.51% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $528.7M |
| Net loans and leases | $522.0M |
| Loans held for sale | $1.2M |
| Loans to total assets | 71.83% |
| Loan-to-deposit ratio | 87.51% |
| Net loans to equity capital | 6.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.19% |
| Multifamily (5+ residential) | 3.29% |
| Commercial and industrial | 19.47% |
| Consumer | 5.59% |
| Credit cards | 0.17% |
| Farm | 16.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.40% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 98.52% |
| Construction concentration (Tier 1 capital + allowance) | 22.00% |
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 | 6.78% |
| Interest income on loans | $8.9M |
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 | $453.7M | $493.5M | 18.73% | 25.07% | 8.35% |
| Q4 2023 | $473.4M | $492.1M | 19.98% | 24.66% | 8.22% |
| Q1 2024 | $478.2M | $500.8M | 20.28% | 24.72% | 8.24% |
| Q2 2024 | $501.3M | $519.0M | 20.19% | 23.91% | 7.54% |
| Q3 2024 | $506.5M | $514.6M | 19.65% | 23.43% | 7.20% |
| Q4 2024 | $521.9M | $524.3M | 19.09% | 23.45% | 6.71% |
| Q1 2025 | $529.7M | $543.4M | 18.55% | 22.97% | 6.40% |
| Q2 2025 | $540.2M | $539.1M | 19.89% | 21.21% | 6.11% |
| Q3 2025 | $541.9M | $583.1M | 19.72% | 20.23% | 5.91% |
| Q4 2025 | $545.6M | $589.8M | 20.02% | 20.33% | 5.74% |
| Q1 2026 | $523.7M | $609.0M | 19.80% | 20.69% | 5.74% |
| Q2 2026 | $528.7M | $604.2M | 20.19% | 19.47% | 5.59% |
First Neighbor Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Neighbor Bank, N.A., 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 Neighbor Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3747) · FFIEC NIC profile (RSSD 413646)