First Savings Bank of Hegewisch: 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 largest change between Q1 2026 and Q2 2026 was in Loan-to-deposit ratio, which rose 0.52 percentage points to 53.11%. Within Illinois, First Savings Bank of Hegewisch is 268th of 323 on loan-to-deposit ratio, 53.11% 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 Savings Bank of Hegewisch sits 27.73 points lower, at 53.11% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $354.0M |
| Net loans and leases | $352.2M |
| Loans held for sale | $0 |
| Loans to total assets | 44.98% |
| Loan-to-deposit ratio | 53.11% |
| Net loans to equity capital | 2.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.19% |
| Multifamily (5+ residential) | 0.80% |
| Commercial and industrial | 0.00% |
| Consumer | 0.05% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 2.85% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 3.44% |
| Interest income on loans | $3.1M |
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 | $402.6M | $678.2M | 0.22% | 0.00% | 0.16% |
| Q4 2023 | $397.7M | $673.3M | 0.22% | 0.00% | 0.14% |
| Q1 2024 | $391.7M | $678.6M | 0.22% | 0.00% | 0.12% |
| Q2 2024 | $387.5M | $676.4M | 0.22% | 0.00% | 0.10% |
| Q3 2024 | $380.2M | $685.8M | 0.22% | 0.00% | 0.09% |
| Q4 2024 | $376.1M | $698.1M | 0.22% | 0.00% | 0.07% |
| Q1 2025 | $371.8M | $691.3M | 0.25% | 0.00% | 0.07% |
| Q2 2025 | $369.0M | $679.9M | 0.21% | 0.00% | 0.07% |
| Q3 2025 | $367.7M | $683.2M | 0.21% | 0.00% | 0.07% |
| Q4 2025 | $360.9M | $674.4M | 0.21% | 0.00% | 0.07% |
| Q1 2026 | $355.9M | $676.8M | 0.20% | 0.00% | 0.06% |
| Q2 2026 | $354.0M | $666.6M | 0.19% | 0.00% | 0.05% |
First Savings Bank of Hegewisch loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Savings Bank of Hegewisch, 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 Savings Bank of Hegewisch profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29809) · FFIEC NIC profile (RSSD 483274)