Amalgamated Bank of Chicago: 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) climbed 9.77 percentage points in Q2 2026, from 49.50% to 59.27%. It was the largest change from Q1 2026 among the key lines here. Amalgamated Bank of Chicago ranks 172nd of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 74.50% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Amalgamated Bank of Chicago sits 13.70 points lower, at 74.50% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $851.3M |
| Net loans and leases | $842.7M |
| Loans held for sale | $0 |
| Loans to total assets | 64.06% |
| Loan-to-deposit ratio | 74.50% |
| Net loans to equity capital | 5.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.63% |
| Multifamily (5+ residential) | 29.41% |
| Commercial and industrial | 3.98% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 387.36% |
| Construction concentration (Tier 1 capital + allowance) | 59.27% |
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 | 6.01% |
| Interest income on loans | $12.5M |
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 | $660.6M | $876.8M | 45.55% | 1.04% | 0.00% |
| Q4 2023 | $716.7M | $1.17B | 46.66% | 3.88% | 0.00% |
| Q1 2024 | $702.6M | $959.7M | 48.01% | 3.05% | 0.00% |
| Q2 2024 | $714.9M | $1.02B | 45.81% | 2.01% | 0.00% |
| Q3 2024 | $737.4M | $984.8M | 47.46% | 1.03% | 0.00% |
| Q4 2024 | $760.1M | $1.24B | 47.95% | 3.46% | 0.00% |
| Q1 2025 | $729.8M | $1.00B | 49.42% | 1.05% | 0.00% |
| Q2 2025 | $727.2M | $1.07B | 49.48% | 1.04% | 0.00% |
| Q3 2025 | $791.4M | $1.10B | 47.67% | 4.10% | 0.00% |
| Q4 2025 | $784.5M | $1.29B | 51.73% | 2.38% | 0.00% |
| Q1 2026 | $830.3M | $1.10B | 51.20% | 4.51% | 0.00% |
| Q2 2026 | $851.3M | $1.14B | 50.63% | 3.98% | 0.00% |
Amalgamated Bank of Chicago loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Amalgamated Bank of Chicago, 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 Amalgamated Bank of Chicago profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 903) · FFIEC NIC profile (RSSD 397531)