The First State Bank of Dongola: 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 Consumer: 1.83 percentage points higher than in Q1 2026, at 16.34%. The First State Bank of Dongola ranks 261st of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 54.88% (Q2 2026). The First State Bank of Dongola reported 54.88% on loan-to-deposit ratio for Q2 2026, 12.74 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $17.1M |
| Net loans and leases | $17.0M |
| Loans held for sale | $0 |
| Loans to total assets | 49.42% |
| Loan-to-deposit ratio | 54.88% |
| Net loans to equity capital | 5.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.91% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.88% |
| Consumer | 16.34% |
| Credit cards | 0.00% |
| Farm | 16.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 104.99% |
| Construction concentration (Tier 1 capital + allowance) | 25.41% |
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 | — |
| Interest income on loans | $314K |
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 | $14.6M | $27.1M | 14.98% | 11.21% | 20.52% |
| Q4 2023 | $14.5M | $27.8M | 14.83% | 11.02% | 19.22% |
| Q1 2024 | $15.7M | $29.1M | 13.62% | 10.56% | 18.81% |
| Q2 2024 | $15.8M | $28.3M | 12.74% | 10.54% | 18.23% |
| Q3 2024 | $16.3M | $27.5M | 11.53% | 10.73% | 17.69% |
| Q4 2024 | $16.3M | $28.6M | 11.41% | 10.42% | 17.01% |
| Q1 2025 | $16.1M | $29.1M | 11.39% | 11.75% | 15.01% |
| Q2 2025 | $16.6M | $28.9M | 10.93% | 12.72% | 14.85% |
| Q3 2025 | $16.9M | $28.9M | 11.32% | 13.02% | 15.67% |
| Q4 2025 | $16.9M | $29.2M | 8.68% | 12.95% | 15.44% |
| Q1 2026 | $16.9M | $31.8M | 10.00% | 10.10% | 14.51% |
| Q2 2026 | $17.1M | $31.2M | 10.91% | 8.88% | 16.34% |
The First State Bank of Dongola loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First State Bank of Dongola, 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 The First State Bank of Dongola profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12098) · FFIEC NIC profile (RSSD 630041)