First Southern 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): 2.05 percentage points lower than in Q1 2026, at 176.39%. First Southern Bank ranks 188th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 72.51% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First Southern Bank sits 15.69 points lower, at 72.51% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $655.7M |
| Net loans and leases | $647.9M |
| Loans held for sale | $0 |
| Loans to total assets | 62.92% |
| Loan-to-deposit ratio | 72.51% |
| Net loans to equity capital | 5.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.06% |
| Multifamily (5+ residential) | 6.42% |
| Commercial and industrial | 20.17% |
| Consumer | 5.41% |
| Credit cards | 0.00% |
| Farm | 1.65% |
| Loans to depository institutions | 1.69% |
| State and political subdivisions | 3.23% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 176.39% |
| Construction concentration (Tier 1 capital + allowance) | 38.64% |
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 | 6.33% |
| Interest income on loans | $10.5M |
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 | $652.7M | $880.9M | 41.50% | 12.51% | 6.34% |
| Q4 2023 | $670.7M | $894.8M | 40.35% | 14.94% | 6.06% |
| Q1 2024 | $664.1M | $883.5M | 40.27% | 15.88% | 6.20% |
| Q2 2024 | $657.4M | $889.3M | 39.79% | 16.83% | 6.27% |
| Q3 2024 | $666.9M | $936.3M | 38.43% | 17.07% | 6.26% |
| Q4 2024 | $671.0M | $910.4M | 37.77% | 17.15% | 6.11% |
| Q1 2025 | $653.7M | $899.8M | 37.53% | 17.47% | 5.98% |
| Q2 2025 | $657.9M | $884.2M | 38.61% | 16.86% | 5.99% |
| Q3 2025 | $658.9M | $871.9M | 38.31% | 17.16% | 5.88% |
| Q4 2025 | $673.8M | $898.8M | 36.53% | 20.00% | 5.70% |
| Q1 2026 | $670.7M | $905.7M | 37.09% | 20.23% | 5.49% |
| Q2 2026 | $655.7M | $904.3M | 36.06% | 20.17% | 5.41% |
First Southern Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Southern 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 Southern Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15565) · FFIEC NIC profile (RSSD 382649)