American Eagle Bank: 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 37.28 percentage points in Q2 2026, from 373.52% to 410.80%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, American Eagle Bank ranks 3rd highest among the 323 banks headquartered in Illinois, at 121.96% (Q2 2026). American Eagle Bank's loan-to-deposit ratio of 121.96% is well above the 80.55% median for banks in the $100M-1B asset tier, a gap of 41.40 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $442.8M |
| Net loans and leases | $441.7M |
| Loans held for sale | $0 |
| Loans to total assets | 91.35% |
| Loan-to-deposit ratio | 121.96% |
| Net loans to equity capital | 10.85% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.46% |
| Multifamily (5+ residential) | 23.00% |
| Commercial and industrial | 0.45% |
| Consumer | 47.99% |
| 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) | 410.80% |
| Construction concentration (Tier 1 capital + allowance) | 110.08% |
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 | 5.86% |
| Interest income on loans | $6.3M |
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 | $358.1M | $331.3M | 13.41% | 0.67% | 57.03% |
| Q4 2023 | $366.4M | $352.4M | 13.77% | 0.56% | 56.08% |
| Q1 2024 | $366.3M | $348.8M | 12.67% | 0.55% | 55.31% |
| Q2 2024 | $373.0M | $333.9M | 11.78% | 0.51% | 55.87% |
| Q3 2024 | $387.8M | $350.4M | 14.54% | 0.49% | 54.22% |
| Q4 2024 | $408.5M | $368.6M | 13.77% | 0.44% | 54.84% |
| Q1 2025 | $416.9M | $372.3M | 13.97% | 0.40% | 53.57% |
| Q2 2025 | $398.7M | $373.9M | 14.33% | 0.58% | 54.73% |
| Q3 2025 | $420.4M | $378.0M | 11.57% | 0.53% | 52.03% |
| Q4 2025 | $429.2M | $375.6M | 11.19% | 0.50% | 50.32% |
| Q1 2026 | $438.5M | $375.2M | 10.83% | 0.46% | 48.57% |
| Q2 2026 | $442.8M | $363.1M | 10.46% | 0.45% | 47.99% |
American Eagle Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Eagle Bank, 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 Eagle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57359) · FFIEC NIC profile (RSSD 3116519)