Iroquois Farmers 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.25 percentage points higher than in Q1 2026, at 72.11%. Within Illinois, Iroquois Farmers State Bank is 191st of 323 on loan-to-deposit ratio, 72.11% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Iroquois Farmers State Bank sits 8.73 points lower, at 72.11% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $114.4M |
| Net loans and leases | $113.9M |
| Loans held for sale | $0 |
| Loans to total assets | 65.57% |
| Loan-to-deposit ratio | 72.11% |
| Net loans to equity capital | 7.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.42% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 10.54% |
| Consumer | 3.07% |
| Credit cards | 0.00% |
| Farm | 38.76% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 5.69% |
| Interest income on loans | $1.6M |
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 | $98.9M | $158.4M | 9.51% | 9.59% | 3.85% |
| Q4 2023 | $100.8M | $154.2M | 9.32% | 9.24% | 3.95% |
| Q1 2024 | $98.3M | $144.7M | 9.96% | 10.29% | 3.90% |
| Q2 2024 | $99.5M | $145.2M | 10.28% | 9.76% | 3.64% |
| Q3 2024 | $106.4M | $140.4M | 10.75% | 9.45% | 3.50% |
| Q4 2024 | $104.9M | $151.2M | 10.42% | 9.83% | 3.57% |
| Q1 2025 | $98.7M | $150.2M | 12.31% | 7.33% | 3.64% |
| Q2 2025 | $103.1M | $151.3M | 11.65% | 8.53% | 3.80% |
| Q3 2025 | $108.4M | $154.0M | 11.00% | 9.18% | 3.21% |
| Q4 2025 | $105.3M | $150.0M | 11.63% | 8.72% | 3.22% |
| Q1 2026 | $104.5M | $151.7M | 12.66% | 8.06% | 3.15% |
| Q2 2026 | $114.4M | $158.7M | 12.42% | 10.54% | 3.07% |
Iroquois Farmers State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Iroquois Farmers 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 Iroquois Farmers State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11746) · FFIEC NIC profile (RSSD 1007930)