First State Bank of Beecher City: 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 89.45%. Within Illinois, First State Bank of Beecher City is 64th of 323 on loan-to-deposit ratio, 89.45% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First State Bank of Beecher City sits 8.61 points higher, at 89.45% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $83.8M |
| Net loans and leases | $82.4M |
| Loans held for sale | $384K |
| Loans to total assets | 74.71% |
| Loan-to-deposit ratio | 89.45% |
| Net loans to equity capital | 4.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.02% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 14.77% |
| Consumer | 13.20% |
| Credit cards | 0.00% |
| Farm | 14.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 29.99% |
| Construction concentration (Tier 1 capital + allowance) | 12.49% |
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 | 7.31% |
| Interest income on loans | $1.5M |
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 | $69.0M | $83.4M | 19.07% | 6.37% | 16.73% |
| Q4 2023 | $70.0M | $85.4M | 16.87% | 7.52% | 16.37% |
| Q1 2024 | $72.3M | $85.0M | 16.87% | 7.77% | 15.53% |
| Q2 2024 | $74.5M | $85.4M | 16.36% | 8.14% | 15.36% |
| Q3 2024 | $78.2M | $85.0M | 15.64% | 8.63% | 14.98% |
| Q4 2024 | $79.2M | $88.7M | 16.06% | 8.60% | 14.16% |
| Q1 2025 | $79.1M | $93.7M | 16.65% | 9.77% | 14.07% |
| Q2 2025 | $80.7M | $92.6M | 16.94% | 10.92% | 14.43% |
| Q3 2025 | $82.3M | $90.3M | 16.51% | 11.57% | 14.09% |
| Q4 2025 | $83.7M | $94.3M | 16.80% | 12.45% | 13.96% |
| Q1 2026 | $82.0M | $95.7M | 16.84% | 14.23% | 13.70% |
| Q2 2026 | $83.8M | $93.7M | 17.02% | 14.77% | 13.20% |
First State Bank of Beecher City loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Beecher City, 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 State Bank of Beecher City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10871) · FFIEC NIC profile (RSSD 601041)