First Robinson Savings 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): 13.68 percentage points higher than in Q1 2026, at 109.67%. First Robinson Savings Bank, N.A. ranks 110th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 82.34% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; First Robinson Savings Bank, N.A. reported 82.34% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $336.4M |
| Net loans and leases | $332.5M |
| Loans held for sale | $1.0M |
| Loans to total assets | 65.69% |
| Loan-to-deposit ratio | 82.34% |
| Net loans to equity capital | 8.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.09% |
| Multifamily (5+ residential) | 1.39% |
| Commercial and industrial | 9.09% |
| Consumer | 6.73% |
| Credit cards | 0.00% |
| Farm | 9.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.99% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 109.67% |
| Construction concentration (Tier 1 capital + allowance) | 39.57% |
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 | 6.48% |
| Interest income on loans | $5.3M |
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 | $242.7M | $351.4M | 24.78% | 9.35% | 8.52% |
| Q4 2023 | $251.8M | $363.4M | 24.98% | 7.73% | 8.36% |
| Q1 2024 | $254.9M | $385.2M | 24.14% | 8.93% | 8.17% |
| Q2 2024 | $253.3M | $378.2M | 24.00% | 8.18% | 8.10% |
| Q3 2024 | $242.8M | $399.2M | 22.79% | 8.61% | 8.44% |
| Q4 2024 | $255.0M | $391.5M | 23.03% | 7.78% | 7.94% |
| Q1 2025 | $260.5M | $396.7M | 22.74% | 8.03% | 7.77% |
| Q2 2025 | $276.7M | $383.7M | 22.66% | 8.71% | 7.96% |
| Q3 2025 | $292.0M | $410.2M | 22.04% | 8.70% | 7.70% |
| Q4 2025 | $310.0M | $414.0M | 22.80% | 7.87% | 7.15% |
| Q1 2026 | $316.9M | $419.7M | 20.45% | 8.57% | 7.26% |
| Q2 2026 | $336.4M | $408.6M | 22.09% | 9.09% | 6.73% |
First Robinson Savings Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Robinson Savings 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 Robinson Savings Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28105) · FFIEC NIC profile (RSSD 660271)