Albany Bank & Trust Co., N.A.: 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 CRE concentration (Tier 1 capital + allowance): 5.92 percentage points lower than in Q1 2026, at 347.62%. Albany Bank & Trust Co., N.A. ranks 49th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 92.76% (Q2 2026). Albany Bank & Trust Co., N.A. reported 92.76% on loan-to-deposit ratio for Q2 2026, 11.92 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $548.3M |
| Net loans and leases | $543.3M |
| Loans held for sale | $0 |
| Loans to total assets | 75.96% |
| Loan-to-deposit ratio | 92.76% |
| Net loans to equity capital | 4.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.50% |
| Multifamily (5+ residential) | 53.00% |
| Commercial and industrial | 11.56% |
| 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) | 347.62% |
| Construction concentration (Tier 1 capital + allowance) | 5.96% |
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 | $7.4M |
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 | $576.2M | $599.0M | 32.31% | 4.60% | 0.01% |
| Q4 2023 | $573.1M | $622.9M | 32.14% | 4.11% | 0.01% |
| Q1 2024 | $574.7M | $587.8M | 32.11% | 3.85% | 0.01% |
| Q2 2024 | $573.8M | $588.5M | 31.90% | 4.24% | 0.01% |
| Q3 2024 | $572.5M | $579.7M | 31.30% | 5.34% | 0.00% |
| Q4 2024 | $580.7M | $587.8M | 30.46% | 6.95% | 0.00% |
| Q1 2025 | $576.7M | $580.8M | 30.54% | 7.29% | 0.05% |
| Q2 2025 | $571.6M | $584.9M | 29.60% | 7.38% | 0.05% |
| Q3 2025 | $560.9M | $598.7M | 28.71% | 7.19% | 0.00% |
| Q4 2025 | $545.8M | $601.8M | 29.34% | 10.21% | 0.00% |
| Q1 2026 | $543.0M | $600.7M | 28.40% | 10.91% | 0.00% |
| Q2 2026 | $548.3M | $591.1M | 27.50% | 11.56% | 0.00% |
Albany Bank & Trust Co., N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Albany Bank & Trust Co., N.A., 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 Albany Bank & Trust Co., N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17230) · FFIEC NIC profile (RSSD 2732)