American Metro 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.19 percentage points higher than in Q1 2026, at 109.69%. On loan-to-deposit ratio, American Metro Bank ranks 8th highest among the 323 banks headquartered in Illinois, at 109.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. American Metro Bank sits 28.85 points higher, at 109.69% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $96.5M |
| Net loans and leases | $95.3M |
| Loans held for sale | $0 |
| Loans to total assets | 81.03% |
| Loan-to-deposit ratio | 109.69% |
| Net loans to equity capital | 5.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.27% |
| Multifamily (5+ residential) | 16.40% |
| Commercial and industrial | 0.20% |
| 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) | 259.35% |
| Construction concentration (Tier 1 capital + allowance) | 19.81% |
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 | 6.69% |
| Interest income on loans | $1.6M |
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 | $68.9M | $66.0M | 39.91% | 0.29% | 0.00% |
| Q4 2023 | $72.5M | $72.5M | 39.52% | 0.36% | 0.00% |
| Q1 2024 | $74.8M | $74.5M | 42.35% | 0.34% | 0.00% |
| Q2 2024 | $77.3M | $74.9M | 40.95% | 0.32% | 0.00% |
| Q3 2024 | $85.5M | $80.7M | 39.97% | 0.28% | 0.00% |
| Q4 2024 | $88.8M | $82.2M | 39.26% | 0.26% | 0.00% |
| Q1 2025 | $90.6M | $88.3M | 42.03% | 0.25% | 0.00% |
| Q2 2025 | $90.8M | $87.5M | 42.16% | 0.56% | 0.00% |
| Q3 2025 | $94.6M | $88.8M | 40.76% | 0.21% | 0.00% |
| Q4 2025 | $97.5M | $92.0M | 41.26% | 0.21% | 0.00% |
| Q1 2026 | $97.1M | $91.2M | 43.02% | 0.20% | 0.00% |
| Q2 2026 | $96.5M | $88.0M | 44.27% | 0.20% | 0.00% |
American Metro Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Metro 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 Metro Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34334) · FFIEC NIC profile (RSSD 2533043)