First State Bank of St. Peter: 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.
Consumer dropped 1.16 percentage points in Q2 2026, from 15.73% to 14.56%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First State Bank of St. Peter is 7th from the bottom among 323 Illinois banks, 31.23% (Q2 2026). Against a median of 67.92% for banks in the < $100M asset tier, First State Bank of St. Peter reported 31.23% on loan-to-deposit ratio in Q2 2026, 36.69 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $7.7M |
| Net loans and leases | $7.6M |
| Loans held for sale | $0 |
| Loans to total assets | 25.49% |
| Loan-to-deposit ratio | 31.23% |
| Net loans to equity capital | 1.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.40% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 3.67% |
| Consumer | 14.56% |
| Credit cards | 0.00% |
| Farm | 37.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.62% |
| Interest income on loans | $126K |
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 | $8.9M | $27.7M | 7.26% | 1.54% | 17.02% |
| Q4 2023 | $8.9M | $25.7M | 6.99% | 1.22% | 14.93% |
| Q1 2024 | $8.8M | $25.7M | 5.11% | 1.07% | 14.52% |
| Q2 2024 | $9.0M | $25.1M | 4.86% | 1.33% | 14.15% |
| Q3 2024 | $9.1M | $24.3M | 4.39% | 1.70% | 14.89% |
| Q4 2024 | $8.5M | $23.5M | 4.96% | 1.50% | 14.62% |
| Q1 2025 | $8.0M | $26.4M | 5.00% | 2.12% | 15.68% |
| Q2 2025 | $8.2M | $25.5M | 4.76% | 2.27% | 15.31% |
| Q3 2025 | $8.5M | $25.4M | 4.37% | 2.66% | 15.12% |
| Q4 2025 | $8.4M | $23.4M | 4.30% | 3.29% | 14.07% |
| Q1 2026 | $7.7M | $24.9M | 4.49% | 3.70% | 15.73% |
| Q2 2026 | $7.7M | $24.6M | 4.40% | 3.67% | 14.56% |
First State Bank of St. Peter loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of St. Peter, 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 St. Peter profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11302) · FFIEC NIC profile (RSSD 426141)