First Secure Community Bank: 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): 17.07 percentage points lower than in Q1 2026, at 309.65%. First Secure Community Bank ranks 54th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 91.41% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. First Secure Community Bank sits 10.85 points higher, at 91.41% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $391.1M |
| Net loans and leases | $387.2M |
| Loans held for sale | $0 |
| Loans to total assets | 73.96% |
| Loan-to-deposit ratio | 91.41% |
| Net loans to equity capital | 8.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.13% |
| Multifamily (5+ residential) | 3.95% |
| Commercial and industrial | 24.97% |
| Consumer | 20.97% |
| Credit cards | 0.00% |
| Farm | 0.38% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.55% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 309.65% |
| Construction concentration (Tier 1 capital + allowance) | 22.60% |
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 | 6.42% |
| Interest income on loans | $6.2M |
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 | $279.9M | $429.6M | 52.68% | 27.54% | 4.78% |
| Q4 2023 | $295.2M | $423.5M | 53.33% | 26.06% | 5.77% |
| Q1 2024 | $315.2M | $428.8M | 53.46% | 23.78% | 8.88% |
| Q2 2024 | $333.5M | $429.0M | 51.95% | 25.12% | 11.02% |
| Q3 2024 | $338.2M | $439.8M | 50.62% | 23.85% | 13.71% |
| Q4 2024 | $324.5M | $437.9M | 50.54% | 23.98% | 15.09% |
| Q1 2025 | $323.9M | $420.8M | 51.63% | 21.29% | 16.75% |
| Q2 2025 | $344.4M | $415.8M | 49.06% | 22.12% | 19.16% |
| Q3 2025 | $357.3M | $429.3M | 48.52% | 22.52% | 18.64% |
| Q4 2025 | $377.9M | $422.4M | 47.11% | 23.24% | 18.84% |
| Q1 2026 | $383.2M | $423.9M | 44.36% | 23.38% | 20.27% |
| Q2 2026 | $391.1M | $427.8M | 43.13% | 24.97% | 20.97% |
First Secure Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Secure Community Bank, 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35223) · FFIEC NIC profile (RSSD 2805535)