First Secure Bank and Trust Co.: 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.
Cre concentration (tier 1 capital + allowance) climbed 17.00 percentage points in Q2 2026, from 350.48% to 367.48%. It was the largest change from Q1 2026 among the key lines here. First Secure Bank and Trust Co. ranks 35th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 95.83% (Q2 2026). First Secure Bank and Trust Co. reported 95.83% on loan-to-deposit ratio for Q2 2026, 14.99 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $300.7M |
| Net loans and leases | $297.2M |
| Loans held for sale | $0 |
| Loans to total assets | 75.88% |
| Loan-to-deposit ratio | 95.83% |
| Net loans to equity capital | 7.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.77% |
| Multifamily (5+ residential) | 12.79% |
| Commercial and industrial | 10.07% |
| Consumer | 2.34% |
| 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) | 367.48% |
| Construction concentration (Tier 1 capital + allowance) | 43.28% |
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 | — |
| Interest income on loans | $4.5M |
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 | $282.2M | $322.4M | 43.14% | 13.85% | 1.29% |
| Q4 2023 | $287.9M | $323.6M | 43.47% | 12.51% | 2.12% |
| Q1 2024 | $293.5M | $331.2M | 42.21% | 12.53% | 2.32% |
| Q2 2024 | $290.1M | $327.6M | 44.74% | 11.55% | 1.85% |
| Q3 2024 | $295.0M | $332.8M | 44.74% | 10.67% | 1.87% |
| Q4 2024 | $289.9M | $354.9M | 45.51% | 9.30% | 2.56% |
| Q1 2025 | $287.9M | $342.7M | 45.15% | 9.01% | 2.68% |
| Q2 2025 | $276.7M | $305.4M | 44.94% | 9.41% | 2.21% |
| Q3 2025 | $279.9M | $327.1M | 46.29% | 9.80% | 2.07% |
| Q4 2025 | $287.7M | $307.5M | 49.68% | 8.09% | 3.13% |
| Q1 2026 | $287.1M | $314.4M | 50.01% | 7.92% | 2.54% |
| Q2 2026 | $300.7M | $313.7M | 49.77% | 10.07% | 2.34% |
First Secure Bank and Trust Co. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Secure Bank and Trust Co., 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 Secure Bank and Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22536) · FFIEC NIC profile (RSSD 25647)