FNBC Bank and Trust: 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.
Cre concentration (tier 1 capital + allowance) climbed 15.40 percentage points in Q2 2026, from 260.90% to 276.29%. It was the largest change from Q1 2026 among the key lines here. FNBC Bank and Trust ranks 241st of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 62.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. FNBC Bank and Trust sits 18.32 points lower, at 62.52% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $328.3M |
| Net loans and leases | $324.5M |
| Loans held for sale | $0 |
| Loans to total assets | 56.45% |
| Loan-to-deposit ratio | 62.52% |
| Net loans to equity capital | 6.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.28% |
| Multifamily (5+ residential) | 35.58% |
| Commercial and industrial | 1.76% |
| Consumer | 0.27% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 276.29% |
| Construction concentration (Tier 1 capital + allowance) | 8.67% |
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 | 5.75% |
| 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 | $286.5M | $525.6M | 32.53% | 1.82% | 0.35% |
| Q4 2023 | $291.1M | $536.9M | 32.19% | 1.42% | 0.38% |
| Q1 2024 | $298.9M | $536.8M | 31.47% | 1.43% | 0.34% |
| Q2 2024 | $305.3M | $509.2M | 30.75% | 1.32% | 0.38% |
| Q3 2024 | $302.5M | $516.7M | 30.03% | 1.38% | 0.38% |
| Q4 2024 | $293.1M | $527.4M | 29.33% | 1.44% | 0.33% |
| Q1 2025 | $296.4M | $518.1M | 30.46% | 1.59% | 0.22% |
| Q2 2025 | $296.9M | $517.1M | 29.52% | 1.66% | 0.21% |
| Q3 2025 | $303.1M | $518.1M | 28.18% | 1.55% | 0.26% |
| Q4 2025 | $314.4M | $539.7M | 26.13% | 1.85% | 0.17% |
| Q1 2026 | $318.7M | $523.0M | 23.15% | 1.88% | 0.13% |
| Q2 2026 | $328.3M | $525.1M | 24.28% | 1.76% | 0.27% |
FNBC Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock FNBC Bank and Trust, 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 FNBC Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11306) · FFIEC NIC profile (RSSD 608844)