Foresight 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): 2.40 percentage points lower than in Q1 2026, at 9.60%. Foresight Bank ranks 168th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 74.86% (Q2 2026). Foresight Bank reported 74.86% on loan-to-deposit ratio for Q2 2026, 13.34 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.12B |
| Net loans and leases | $1.10B |
| Loans held for sale | $441K |
| Loans to total assets | 65.27% |
| Loan-to-deposit ratio | 74.86% |
| Net loans to equity capital | 6.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.08% |
| Multifamily (5+ residential) | 6.34% |
| Commercial and industrial | 16.65% |
| Consumer | 4.67% |
| Credit cards | 0.00% |
| Farm | 16.28% |
| Loans to depository institutions | 0.13% |
| State and political subdivisions | 1.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 115.02% |
| Construction concentration (Tier 1 capital + allowance) | 9.60% |
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 | 6.39% |
| Interest income on loans | $17.9M |
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 | $252.4M | $296.3M | 9.91% | 20.98% | 9.32% |
| Q4 2023 | $249.4M | $297.3M | 9.86% | 23.24% | 5.83% |
| Q1 2024 | $245.9M | $298.0M | 10.31% | 22.04% | 5.52% |
| Q2 2024 | $253.0M | $305.9M | 12.25% | 22.09% | 5.07% |
| Q3 2024 | $251.8M | $302.3M | 12.78% | 20.48% | 4.83% |
| Q4 2024 | $231.6M | $299.4M | 11.44% | 19.37% | 4.98% |
| Q1 2025 | $225.0M | $295.3M | 13.81% | 19.18% | 4.91% |
| Q2 2025 | $1.13B | $1.39B | 25.63% | 18.75% | 6.09% |
| Q3 2025 | $1.13B | $1.39B | 27.27% | 18.43% | 5.84% |
| Q4 2025 | $1.14B | $1.43B | 27.76% | 17.17% | 5.46% |
| Q1 2026 | $1.12B | $1.54B | 28.49% | 16.73% | 5.05% |
| Q2 2026 | $1.12B | $1.49B | 29.08% | 16.65% | 4.67% |
Foresight Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Foresight 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 Foresight Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5749) · FFIEC NIC profile (RSSD 556936)