First Trust Bank of Illinois: 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): 2.88 percentage points lower than in Q1 2026, at 96.40%. First Trust Bank of Illinois has the 23rd lowest loan-to-deposit ratio of the 323 banks headquartered in Illinois, at 44.68% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Trust Bank of Illinois sits 36.16 points lower, at 44.68% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $144.9M |
| Net loans and leases | $143.2M |
| Loans held for sale | $0 |
| Loans to total assets | 35.67% |
| Loan-to-deposit ratio | 44.68% |
| Net loans to equity capital | 4.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.50% |
| Multifamily (5+ residential) | 7.17% |
| Commercial and industrial | 19.30% |
| Consumer | 0.78% |
| Credit cards | 0.00% |
| Farm | 14.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.29% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 96.40% |
| Construction concentration (Tier 1 capital + allowance) | 2.46% |
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 | 5.69% |
| Interest income on loans | $2.1M |
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 | $150.0M | $300.4M | 33.43% | 20.05% | 1.12% |
| Q4 2023 | $152.8M | $305.9M | 32.51% | 20.03% | 1.08% |
| Q1 2024 | $152.6M | $310.8M | 32.26% | 20.23% | 1.00% |
| Q2 2024 | $152.0M | $299.6M | 32.60% | 19.13% | 0.97% |
| Q3 2024 | $152.0M | $300.6M | 32.66% | 19.86% | 0.96% |
| Q4 2024 | $149.5M | $299.0M | 31.79% | 21.51% | 1.03% |
| Q1 2025 | $149.7M | $312.2M | 31.02% | 20.89% | 0.99% |
| Q2 2025 | $152.6M | $304.2M | 30.19% | 22.09% | 0.88% |
| Q3 2025 | $149.9M | $300.5M | 31.59% | 18.94% | 0.84% |
| Q4 2025 | $150.4M | $304.6M | 31.75% | 18.99% | 0.70% |
| Q1 2026 | $143.1M | $318.1M | 32.81% | 17.05% | 0.82% |
| Q2 2026 | $144.9M | $324.4M | 31.50% | 19.30% | 0.78% |
First Trust Bank of Illinois loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Trust Bank of Illinois, 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 Trust Bank of Illinois profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34778) · FFIEC NIC profile (RSSD 2718596)