The Frederick Community 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): 4.84 percentage points lower than in Q1 2026, at 1.03%. The Frederick Community Bank ranks 262nd of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 54.68% (Q2 2026). The Frederick Community Bank reported 54.68% on loan-to-deposit ratio for Q2 2026, 26.16 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $95.6M |
| Net loans and leases | $94.6M |
| Loans held for sale | $174K |
| Loans to total assets | 48.77% |
| Loan-to-deposit ratio | 54.68% |
| Net loans to equity capital | 4.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.30% |
| Multifamily (5+ residential) | 4.92% |
| Commercial and industrial | 14.75% |
| Consumer | 2.33% |
| Credit cards | 0.00% |
| Farm | 29.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 31.13% |
| Construction concentration (Tier 1 capital + allowance) | 1.03% |
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 | — |
| Interest income on loans | $1.5M |
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 | $78.8M | $160.2M | 11.97% | 15.62% | 4.35% |
| Q4 2023 | $81.1M | $171.6M | 10.87% | 15.51% | 4.25% |
| Q1 2024 | $78.7M | $160.9M | 10.83% | 15.80% | 3.94% |
| Q2 2024 | $84.2M | $160.6M | 10.18% | 15.71% | 3.49% |
| Q3 2024 | $90.0M | $159.7M | 9.37% | 14.58% | 2.88% |
| Q4 2024 | $89.8M | $175.9M | 8.54% | 12.88% | 2.70% |
| Q1 2025 | $83.9M | $173.8M | 10.27% | 13.83% | 2.83% |
| Q2 2025 | $88.3M | $166.3M | 9.61% | 15.07% | 2.61% |
| Q3 2025 | $91.2M | $166.3M | 9.53% | 14.78% | 2.54% |
| Q4 2025 | $100.4M | $174.7M | 8.84% | 13.91% | 2.24% |
| Q1 2026 | $91.2M | $176.6M | 9.43% | 15.22% | 2.40% |
| Q2 2026 | $95.6M | $174.9M | 9.30% | 14.75% | 2.33% |
The Frederick Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Frederick Community 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 Frederick Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10446) · FFIEC NIC profile (RSSD 687830)