First State Bank of Campbell Hill: 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: 1.83 percentage points higher than in Q1 2026, at 78.24%. Within Illinois, First State Bank of Campbell Hill is 143rd of 323 on loan-to-deposit ratio, 78.24% 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 Campbell Hill sits 2.60 points lower, at 78.24% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $107.0M |
| Net loans and leases | $106.1M |
| Loans held for sale | $0 |
| Loans to total assets | 66.87% |
| Loan-to-deposit ratio | 78.24% |
| Net loans to equity capital | 4.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.37% |
| Multifamily (5+ residential) | 1.85% |
| Commercial and industrial | 14.03% |
| Consumer | 4.74% |
| Credit cards | 0.00% |
| Farm | 20.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 32.43% |
| Construction concentration (Tier 1 capital + allowance) | 18.00% |
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 | 6.58% |
| Interest income on loans | $1.7M |
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 | $97.8M | $131.0M | 12.92% | 10.90% | 5.56% |
| Q4 2023 | $98.4M | $130.6M | 12.68% | 11.47% | 5.32% |
| Q1 2024 | $97.5M | $132.3M | 13.25% | 12.58% | 5.20% |
| Q2 2024 | $100.3M | $133.1M | 14.99% | 12.67% | 5.11% |
| Q3 2024 | $101.0M | $136.4M | 14.70% | 12.84% | 5.01% |
| Q4 2024 | $100.0M | $136.4M | 14.73% | 11.51% | 5.13% |
| Q1 2025 | $105.6M | $138.9M | 13.62% | 14.05% | 4.67% |
| Q2 2025 | $105.2M | $137.7M | 13.23% | 14.73% | 4.91% |
| Q3 2025 | $105.1M | $136.3M | 12.86% | 14.95% | 4.67% |
| Q4 2025 | $105.1M | $137.8M | 13.00% | 14.08% | 4.71% |
| Q1 2026 | $105.5M | $138.1M | 12.82% | 15.08% | 4.82% |
| Q2 2026 | $107.0M | $136.8M | 14.37% | 14.03% | 4.74% |
First State Bank of Campbell Hill loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Campbell Hill, 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 Campbell Hill profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10799) · FFIEC NIC profile (RSSD 698546)