First Secure State 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 Loan-to-deposit ratio: 3.79 percentage points higher than in Q1 2026, at 80.55%. Within Illinois, First Secure State Bank is 125th of 323 on loan-to-deposit ratio, 80.55% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; First Secure State Bank reported 80.55% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $200.8M |
| Net loans and leases | $198.6M |
| Loans held for sale | $0 |
| Loans to total assets | 65.71% |
| Loan-to-deposit ratio | 80.55% |
| Net loans to equity capital | 5.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.15% |
| Multifamily (5+ residential) | 4.33% |
| Commercial and industrial | 16.44% |
| Consumer | 0.71% |
| Credit cards | 0.00% |
| Farm | 2.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 136.10% |
| Construction concentration (Tier 1 capital + allowance) | 26.91% |
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 | 6.03% |
| Interest income on loans | $2.9M |
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 | $151.8M | $234.1M | 37.76% | 15.57% | 1.47% |
| Q4 2023 | $154.3M | $242.4M | 37.42% | 16.89% | 1.47% |
| Q1 2024 | $167.8M | $244.9M | 40.13% | 18.45% | 1.26% |
| Q2 2024 | $176.2M | $244.9M | 41.92% | 17.28% | 1.01% |
| Q3 2024 | $178.1M | $247.4M | 40.49% | 17.53% | 1.10% |
| Q4 2024 | $174.7M | $248.5M | 39.21% | 17.56% | 1.10% |
| Q1 2025 | $169.4M | $247.0M | 41.13% | 17.18% | 1.00% |
| Q2 2025 | $165.6M | $243.8M | 39.83% | 17.96% | 1.15% |
| Q3 2025 | $163.0M | $248.1M | 41.16% | 16.43% | 0.67% |
| Q4 2025 | $186.7M | $246.7M | 41.91% | 14.24% | 0.82% |
| Q1 2026 | $192.9M | $251.3M | 45.15% | 14.44% | 0.71% |
| Q2 2026 | $200.8M | $249.3M | 42.15% | 16.44% | 0.71% |
First Secure State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Secure State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22971) · FFIEC NIC profile (RSSD 285348)