American Commercial Bank & Trust, 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.
Cre concentration (tier 1 capital + allowance) dropped 10.00 percentage points in Q2 2026, from 251.37% to 241.37%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, American Commercial Bank & Trust, N.A. is 37th of 323 on loan-to-deposit ratio, 95.22% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. American Commercial Bank & Trust, N.A. sits 7.02 points higher, at 95.22% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.76B |
| Net loans and leases | $1.73B |
| Loans held for sale | $3.1M |
| Loans to total assets | 84.85% |
| Loan-to-deposit ratio | 95.22% |
| Net loans to equity capital | 9.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 47.77% |
| Multifamily (5+ residential) | 4.08% |
| Commercial and industrial | 30.05% |
| Consumer | 0.03% |
| Credit cards | 0.03% |
| Farm | 1.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 241.37% |
| Construction concentration (Tier 1 capital + allowance) | 45.43% |
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 | 6.76% |
| Interest income on loans | $29.4M |
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 | $1.21B | $1.25B | 48.84% | 30.71% | 0.13% |
| Q4 2023 | $1.25B | $1.24B | 49.29% | 30.31% | 0.12% |
| Q1 2024 | $1.30B | $1.36B | 50.63% | 28.87% | 0.05% |
| Q2 2024 | $1.36B | $1.44B | 50.00% | 28.88% | 0.05% |
| Q3 2024 | $1.40B | $1.48B | 51.17% | 28.16% | 0.10% |
| Q4 2024 | $1.45B | $1.51B | 49.88% | 28.06% | 0.10% |
| Q1 2025 | $1.48B | $1.55B | 50.60% | 27.54% | 0.11% |
| Q2 2025 | $1.55B | $1.64B | 49.56% | 28.53% | 0.16% |
| Q3 2025 | $1.60B | $1.75B | 49.55% | 28.27% | 0.14% |
| Q4 2025 | $1.74B | $1.75B | 47.07% | 26.75% | 0.15% |
| Q1 2026 | $1.73B | $1.83B | 48.34% | 27.72% | 0.16% |
| Q2 2026 | $1.76B | $1.84B | 47.77% | 30.05% | 0.03% |
American Commercial Bank & Trust, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Commercial Bank & Trust, 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 American Commercial Bank & Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3719) · FFIEC NIC profile (RSSD 856243)