$48.3M
+11.8%y/y
Percentile by value6th percentileby value
FDIC
LNLSGRFB
The First National Bank of Sparta
Sparta, IllinoisFDIC Cert #3837
OCCEstablished 18851 branch
Holding company: FIRST BCORP OF SPARTA LTDRegulator: OCC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $168K |
| Investor CRE | $1.36M |
| Multifamily | $1.84M |
| Construction | $1.4M |
| 1–4 family | $19.6M |
| C&I | $7.08M |
| Agriculture | $1.87M |
| Other | $15.1M |
Loan book
Reported balances and balance-sheet intensity.
$47.7M
+12.0%y/y
Percentile by value6th percentileby value
FDIC
LNLSNET+12.00%
+454.6%y/y
Percentile by value79th percentileby value
FDIC
LNLSNET47.0%
+4.6%y/y
Percentile by value10th percentileby value
FDIC
LNLSNET + DEP41.8%
+3.6%y/y
Percentile by value11th percentileby value
FDIC
LNLSNET + ASSET53.40%
−4.6%y/y
Percentile by value10th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
31%
+1.8%y/y
Percentile by value19th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC9%
+72.6%y/y
Percentile by value25th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,890points
−6.7%y/y
Peer standing79th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD0.35%
−50.6%y/y
Percentile by value9th percentileby value
FDIC
LNRENROW + LNLSGR2.82%
−18.2%y/y
Percentile by value24th percentileby value
FDIC
LNRENROT + LNLSGR14.65%
−1.4%y/y
Percentile by value75th percentileby value
FDIC
LNCI + LNLSGR