Flanagan State 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.
Loan-to-deposit ratio climbed 3.13 percentage points in Q2 2026, from 63.15% to 66.28%. It was the largest change from Q1 2026 among the key lines here. Flanagan State Bank ranks 222nd of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 66.28% (Q2 2026). Flanagan State Bank reported 66.28% on loan-to-deposit ratio for Q2 2026, 14.56 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $183.6M |
| Net loans and leases | $181.8M |
| Loans held for sale | $11.6M |
| Loans to total assets | 61.14% |
| Loan-to-deposit ratio | 66.28% |
| Net loans to equity capital | 9.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.10% |
| Multifamily (5+ residential) | 2.45% |
| Commercial and industrial | 8.47% |
| Consumer | 1.46% |
| Credit cards | 0.00% |
| Farm | 13.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 58.92% |
| Construction concentration (Tier 1 capital + allowance) | 23.10% |
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 | 6.80% |
| Interest income on loans | $3.0M |
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 | $144.1M | $247.0M | 8.21% | 7.10% | 2.91% |
| Q4 2023 | $146.2M | $255.2M | 7.86% | 5.25% | 2.84% |
| Q1 2024 | $153.2M | $260.3M | 8.40% | 7.95% | 2.55% |
| Q2 2024 | $165.8M | $256.4M | 11.66% | 8.39% | 2.41% |
| Q3 2024 | $172.0M | $253.0M | 12.20% | 7.92% | 2.30% |
| Q4 2024 | $175.6M | $263.6M | 12.08% | 7.86% | 1.99% |
| Q1 2025 | $175.2M | $280.1M | 13.72% | 7.70% | 1.97% |
| Q2 2025 | $188.6M | $273.8M | 13.06% | 8.97% | 1.78% |
| Q3 2025 | $190.1M | $276.3M | 13.03% | 8.83% | 1.70% |
| Q4 2025 | $194.5M | $276.6M | 13.33% | 8.01% | 1.74% |
| Q1 2026 | $183.3M | $290.3M | 15.33% | 7.99% | 1.66% |
| Q2 2026 | $183.6M | $277.0M | 15.10% | 8.47% | 1.46% |
Flanagan State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Flanagan State 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 Flanagan State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11734) · FFIEC NIC profile (RSSD 979133)