First State Bank Shannon-Polo: 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 CRE concentration (Tier 1 capital + allowance): 2.93 percentage points lower than in Q2 2026, at 50.46%. First State Bank Shannon-Polo ranks 233rd of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 64.24% (Q3 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First State Bank Shannon-Polo sits 16.60 points lower, at 64.24% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $108.0M |
| Net loans and leases | $106.7M |
| Loans held for sale | $0 |
| Loans to total assets | 57.12% |
| Loan-to-deposit ratio | 64.24% |
| Net loans to equity capital | 7.41% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.86% |
| Multifamily (5+ residential) | 1.80% |
| Commercial and industrial | 14.63% |
| Consumer | 3.12% |
| Credit cards | 0.00% |
| Farm | 27.55% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.84% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 50.46% |
| Construction concentration (Tier 1 capital + allowance) | 11.17% |
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 | 5.98% |
| Interest income on loans | $1.6M |
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 | $108.3M | $200.1M | 15.35% | 10.48% | 4.12% |
| Q1 2024 | $107.2M | $175.7M | 15.03% | 9.75% | 4.10% |
| Q2 2024 | $107.2M | $173.0M | 14.48% | 9.67% | 4.00% |
| Q3 2024 | $106.4M | $173.7M | 14.71% | 9.23% | 4.30% |
| Q4 2024 | $106.8M | $173.0M | 16.03% | 8.26% | 3.91% |
| Q1 2025 | $100.1M | $172.3M | 15.45% | 10.88% | 3.74% |
| Q2 2025 | $100.1M | $168.5M | 14.97% | 13.22% | 4.63% |
| Q3 2025 | $105.0M | $169.3M | 13.18% | 15.40% | 4.05% |
| Q4 2025 | $109.5M | $173.1M | 12.47% | 14.26% | 3.54% |
| Q1 2026 | $111.7M | $169.4M | 13.19% | 14.52% | 3.07% |
| Q2 2026 | $109.2M | $167.1M | 13.29% | 14.41% | 3.08% |
| Q3 2026 | $108.0M | $168.2M | 12.86% | 14.63% | 3.12% |
First State Bank Shannon-Polo loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank Shannon-Polo, 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 Shannon-Polo profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1781) · FFIEC NIC profile (RSSD 232847)