American Community Bank & Trust: 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) climbed 1.41 percentage points in Q2 2026, from 155.00% to 156.41%. It was the largest change from Q1 2026 among the key lines here. American Community Bank & Trust ranks 138th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 78.73% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. American Community Bank & Trust sits 9.47 points lower, at 78.73% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $798.5M |
| Net loans and leases | $787.9M |
| Loans held for sale | $0 |
| Loans to total assets | 67.81% |
| Loan-to-deposit ratio | 78.73% |
| Net loans to equity capital | 6.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.28% |
| Multifamily (5+ residential) | 4.66% |
| Commercial and industrial | 30.42% |
| Consumer | 0.07% |
| Credit cards | 0.00% |
| Farm | 0.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.38% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 156.41% |
| Construction concentration (Tier 1 capital + allowance) | 17.35% |
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 | $12.3M |
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 | $608.5M | $828.1M | 53.58% | 21.84% | 0.08% |
| Q4 2023 | $619.8M | $809.1M | 52.92% | 23.01% | 0.09% |
| Q1 2024 | $619.3M | $876.1M | 52.78% | 24.39% | 0.09% |
| Q2 2024 | $656.3M | $851.6M | 50.81% | 27.60% | 0.08% |
| Q3 2024 | $669.1M | $900.9M | 50.72% | 27.33% | 0.10% |
| Q4 2024 | $677.8M | $824.6M | 50.97% | 27.23% | 0.10% |
| Q1 2025 | $678.1M | $887.6M | 50.27% | 27.72% | 0.08% |
| Q2 2025 | $738.1M | $894.4M | 50.96% | 28.42% | 0.03% |
| Q3 2025 | $741.1M | $940.2M | 51.84% | 27.44% | 0.03% |
| Q4 2025 | $763.0M | $983.6M | 49.09% | 29.08% | 0.02% |
| Q1 2026 | $782.7M | $1.01B | 49.76% | 29.96% | 0.07% |
| Q2 2026 | $798.5M | $1.01B | 49.28% | 30.42% | 0.07% |
American Community Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Community Bank & Trust, 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 Community Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35412) · FFIEC NIC profile (RSSD 2869162)