First State Bank of Forrest: 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): 3.40 percentage points higher than in Q1 2026, at 99.23%. Among 323 Illinois banks, First State Bank of Forrest sits 22nd from the top on loan-to-deposit ratio, 98.52% as of Q2 2026. First State Bank of Forrest reported 98.52% on loan-to-deposit ratio for Q2 2026, 17.68 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $276.2M |
| Net loans and leases | $273.6M |
| Loans held for sale | $0 |
| Loans to total assets | 84.13% |
| Loan-to-deposit ratio | 98.52% |
| Net loans to equity capital | 9.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.22% |
| Multifamily (5+ residential) | 1.87% |
| Commercial and industrial | 13.54% |
| Consumer | 4.22% |
| Credit cards | 0.00% |
| Farm | 14.77% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.30% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 99.23% |
| Construction concentration (Tier 1 capital + allowance) | 12.61% |
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 | 6.35% |
| Interest income on loans | $4.4M |
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 | $251.5M | $244.6M | 11.82% | 15.04% | 5.98% |
| Q4 2023 | $248.8M | $251.1M | 12.97% | 14.67% | 5.97% |
| Q1 2024 | $257.9M | $250.1M | 14.11% | 14.88% | 5.82% |
| Q2 2024 | $256.5M | $248.7M | 14.89% | 15.29% | 5.76% |
| Q3 2024 | $259.2M | $249.8M | 16.13% | 15.07% | 5.55% |
| Q4 2024 | $261.9M | $254.0M | 16.79% | 14.76% | 5.35% |
| Q1 2025 | $265.4M | $257.0M | 16.69% | 14.50% | 5.27% |
| Q2 2025 | $277.2M | $264.3M | 18.19% | 13.92% | 4.91% |
| Q3 2025 | $281.1M | $269.4M | 17.64% | 13.39% | 4.71% |
| Q4 2025 | $283.2M | $276.5M | 18.58% | 13.21% | 4.40% |
| Q1 2026 | $279.3M | $279.9M | 18.63% | 14.19% | 4.27% |
| Q2 2026 | $276.2M | $280.3M | 19.22% | 13.54% | 4.22% |
First State Bank of Forrest loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Forrest, 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 Forrest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11669) · FFIEC NIC profile (RSSD 980438)