Fwbank: 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.
Construction concentration (tier 1 capital + allowance) dropped 11.85 percentage points in Q2 2026, from 32.87% to 21.01%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Fwbank is 150th of 323 on loan-to-deposit ratio, 77.01% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Fwbank sits 3.83 points lower, at 77.01% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $135.6M |
| Net loans and leases | $133.8M |
| Loans held for sale | $0 |
| Loans to total assets | 65.63% |
| Loan-to-deposit ratio | 77.01% |
| Net loans to equity capital | 5.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 52.47% |
| Multifamily (5+ residential) | 2.18% |
| Commercial and industrial | 41.21% |
| Consumer | 0.00% |
| 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) | 130.86% |
| Construction concentration (Tier 1 capital + allowance) | 21.01% |
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 | 7.44% |
| Interest income on loans | $2.4M |
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 | $53.4M | $92.9M | 40.46% | 53.93% | 0.00% |
| Q4 2023 | $86.7M | $105.7M | 48.36% | 48.20% | 0.00% |
| Q1 2024 | $101.6M | $123.3M | 58.71% | 38.34% | 0.00% |
| Q2 2024 | $117.4M | $133.5M | 62.31% | 35.14% | 0.00% |
| Q3 2024 | $125.0M | $146.2M | 55.54% | 34.13% | 0.00% |
| Q4 2024 | $126.5M | $148.8M | 58.85% | 33.08% | 0.00% |
| Q1 2025 | $128.1M | $158.0M | 60.14% | 34.48% | 0.00% |
| Q2 2025 | $131.9M | $169.4M | 60.94% | 32.92% | 0.00% |
| Q3 2025 | $134.2M | $159.3M | 54.02% | 37.37% | 0.00% |
| Q4 2025 | $130.8M | $162.8M | 55.73% | 36.22% | 0.00% |
| Q1 2026 | $126.6M | $172.4M | 55.89% | 35.03% | 0.00% |
| Q2 2026 | $135.6M | $176.1M | 52.47% | 41.21% | 0.00% |
Fwbank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fwbank, 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 Fwbank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59195) · FFIEC NIC profile (RSSD 5435988)