Anna State 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 Commercial and industrial: 0.92 percentage points lower than in Q1 2026, at 2.03%. Anna State Bank has the 25th lowest loan-to-deposit ratio of the 323 banks headquartered in Illinois, at 44.99% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Anna State Bank sits 35.57 points lower, at 44.99% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $43.7M |
| Net loans and leases | $43.4M |
| Loans held for sale | $0 |
| Loans to total assets | 39.14% |
| Loan-to-deposit ratio | 44.99% |
| Net loans to equity capital | 3.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.53% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 2.03% |
| Consumer | 5.07% |
| Credit cards | 0.00% |
| Farm | 6.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 37.24% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.47% |
| Interest income on loans | $704K |
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 | $37.7M | $88.7M | 21.27% | 2.30% | 5.98% |
| Q4 2023 | $38.8M | $90.0M | 21.37% | 2.74% | 6.48% |
| Q1 2024 | $39.8M | $91.2M | 25.52% | 2.79% | 6.02% |
| Q2 2024 | $39.4M | $89.3M | 25.33% | 2.36% | 5.39% |
| Q3 2024 | $42.8M | $90.7M | 29.17% | 2.66% | 5.13% |
| Q4 2024 | $43.4M | $92.3M | 29.44% | 3.62% | 4.70% |
| Q1 2025 | $42.6M | $92.6M | 29.44% | 2.65% | 4.48% |
| Q2 2025 | $43.3M | $92.6M | 28.72% | 3.17% | 4.19% |
| Q3 2025 | $42.3M | $94.2M | 25.87% | 2.90% | 4.23% |
| Q4 2025 | $44.3M | $97.7M | 25.12% | 3.29% | 4.71% |
| Q1 2026 | $43.6M | $97.8M | 24.81% | 2.94% | 4.83% |
| Q2 2026 | $43.7M | $97.1M | 25.53% | 2.03% | 5.07% |
Anna State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Anna State 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 Anna State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11682) · FFIEC NIC profile (RSSD 691743)