First State Bank of Olmsted: 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 Commercial and industrial: 7.10 percentage points lower than in Q1 2026, at 21.36%. Within Illinois, First State Bank of Olmsted is 163rd of 323 on loan-to-deposit ratio, 75.35% as of Q2 2026, below the middle of the field. First State Bank of Olmsted reported 75.35% on loan-to-deposit ratio for Q2 2026, 7.73 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $51.5M |
| Net loans and leases | $51.1M |
| Loans held for sale | $0 |
| Loans to total assets | 65.73% |
| Loan-to-deposit ratio | 75.35% |
| Net loans to equity capital | 5.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.40% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 21.36% |
| Consumer | 3.74% |
| Credit cards | 0.00% |
| Farm | 15.38% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.99% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 73.55% |
| Construction concentration (Tier 1 capital + allowance) | 9.38% |
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 | 6.50% |
| Interest income on loans | $822K |
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 | $40.6M | $61.2M | 11.93% | 16.65% | 6.64% |
| Q4 2023 | $41.4M | $61.4M | 14.48% | 17.77% | 6.80% |
| Q1 2024 | $42.2M | $64.2M | 15.15% | 19.81% | 6.57% |
| Q2 2024 | $43.9M | $64.9M | 15.49% | 19.67% | 6.86% |
| Q3 2024 | $42.2M | $65.8M | 14.09% | 18.53% | 6.77% |
| Q4 2024 | $41.1M | $65.6M | 13.79% | 18.54% | 7.88% |
| Q1 2025 | $42.7M | $66.3M | 13.68% | 19.68% | 7.28% |
| Q2 2025 | $46.8M | $68.7M | 14.09% | 24.38% | 5.21% |
| Q3 2025 | $47.8M | $68.3M | 14.63% | 25.18% | 5.55% |
| Q4 2025 | $48.5M | $67.8M | 13.36% | 25.32% | 5.30% |
| Q1 2026 | $50.7M | $67.6M | 12.26% | 28.46% | 5.13% |
| Q2 2026 | $51.5M | $68.4M | 14.40% | 21.36% | 3.74% |
First State Bank of Olmsted loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Olmsted, 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 Olmsted profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10437) · FFIEC NIC profile (RSSD 413347)