First State Bank of Van Orin: 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 Q3 2026 was in Loans to total assets: 1.26 percentage points higher than in Q2 2026, at 31.33%. First State Bank of Van Orin has the 11th lowest loan-to-deposit ratio of the 323 banks headquartered in Illinois, at 34.03% as of Q3 2026. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. First State Bank of Van Orin sits 32.88 points lower, at 35.04% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $12.3M |
| Net loans and leases | $12.0M |
| Loans held for sale | $0 |
| Loans to total assets | 31.33% |
| Loan-to-deposit ratio | 35.04% |
| Net loans to equity capital | 2.95% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.57% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 26.86% |
| Consumer | 6.11% |
| Credit cards | 0.00% |
| Farm | 22.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 19.62% |
| 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 | Q3 2026 |
|---|---|
| Yield on loans | 6.69% |
| Interest income on loans | $202K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $9.8M | $41.6M | 9.75% | 20.25% | 5.73% |
| Q1 2024 | $11.4M | $40.2M | 9.66% | 14.86% | 4.41% |
| Q2 2024 | $12.0M | $40.2M | 9.39% | 14.39% | 4.36% |
| Q3 2024 | $11.9M | $41.0M | 9.33% | 15.21% | 4.34% |
| Q4 2024 | $11.9M | $40.1M | 10.34% | 20.60% | 4.58% |
| Q1 2025 | $11.7M | $42.4M | 10.02% | 21.65% | 4.32% |
| Q2 2025 | $11.9M | $38.1M | 10.04% | 20.03% | 4.97% |
| Q3 2025 | $12.4M | $39.2M | 9.11% | 21.60% | 6.41% |
| Q4 2025 | $11.2M | $37.4M | 9.83% | 21.94% | 7.43% |
| Q1 2026 | $11.5M | $36.3M | 9.36% | 23.63% | 6.71% |
| Q2 2026 | $12.0M | $35.4M | 8.83% | 26.77% | 6.50% |
| Q3 2026 | $12.3M | $35.0M | 8.57% | 26.86% | 6.11% |
First State Bank of Van Orin loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Van Orin, 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 Van Orin profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10809) · FFIEC NIC profile (RSSD 472148)