The Fisher National Bank: 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 Construction concentration (Tier 1 capital + allowance): 10.02 percentage points higher than in Q1 2026, at 66.55%. Within Illinois, The Fisher National Bank is 81st of 323 on loan-to-deposit ratio, 87.35% as of Q2 2026, above the middle of the field. The Fisher National Bank reported 87.35% on loan-to-deposit ratio for Q2 2026, 6.51 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $284.9M |
| Net loans and leases | $282.4M |
| Loans held for sale | $257K |
| Loans to total assets | 75.88% |
| Loan-to-deposit ratio | 87.35% |
| Net loans to equity capital | 8.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.72% |
| Multifamily (5+ residential) | 6.16% |
| Commercial and industrial | 7.74% |
| Consumer | 2.19% |
| Credit cards | 0.00% |
| Farm | 5.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.81% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 164.61% |
| Construction concentration (Tier 1 capital + allowance) | 66.55% |
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 | 6.70% |
| Interest income on loans | $4.7M |
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 | $237.9M | $265.1M | 16.98% | 9.18% | 2.55% |
| Q4 2023 | $244.4M | $276.5M | 17.47% | 8.93% | 2.57% |
| Q1 2024 | $243.5M | $279.1M | 19.13% | 8.88% | 2.58% |
| Q2 2024 | $249.7M | $287.9M | 19.62% | 9.00% | 2.46% |
| Q3 2024 | $247.4M | $292.6M | 19.12% | 8.00% | 2.42% |
| Q4 2024 | $252.4M | $283.4M | 19.90% | 8.27% | 2.36% |
| Q1 2025 | $252.5M | $279.5M | 21.16% | 8.27% | 2.44% |
| Q2 2025 | $260.9M | $291.1M | 21.13% | 7.94% | 2.38% |
| Q3 2025 | $268.7M | $309.4M | 21.16% | 7.94% | 2.36% |
| Q4 2025 | $271.5M | $308.1M | 20.22% | 7.76% | 2.24% |
| Q1 2026 | $276.0M | $320.0M | 19.78% | 8.06% | 2.21% |
| Q2 2026 | $284.9M | $326.2M | 18.72% | 7.74% | 2.19% |
The Fisher National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fisher National Bank, 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 The Fisher National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17513) · FFIEC NIC profile (RSSD 739832)