Apple River 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 Loan-to-deposit ratio: 5.18 percentage points lower than in Q1 2026, at 72.62%. Apple River State Bank ranks 186th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 72.62% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Apple River State Bank sits 7.93 points lower, at 72.62% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $398.2M |
| Net loans and leases | $394.3M |
| Loans held for sale | $316K |
| Loans to total assets | 58.97% |
| Loan-to-deposit ratio | 72.62% |
| Net loans to equity capital | 7.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.22% |
| Multifamily (5+ residential) | 0.36% |
| Commercial and industrial | 9.35% |
| Consumer | 2.89% |
| Credit cards | 0.00% |
| Farm | 27.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.77% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 52.71% |
| Construction concentration (Tier 1 capital + allowance) | 14.62% |
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 | 6.41% |
| 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 | $315.3M | $476.8M | 20.27% | 11.47% | 3.76% |
| Q4 2023 | $327.2M | $466.0M | 19.44% | 12.33% | 3.57% |
| Q1 2024 | $330.5M | $454.1M | 19.11% | 12.61% | 3.51% |
| Q2 2024 | $344.0M | $468.8M | 19.10% | 13.08% | 3.37% |
| Q3 2024 | $345.9M | $475.2M | 19.42% | 12.45% | 3.33% |
| Q4 2024 | $364.0M | $502.9M | 19.03% | 12.49% | 3.11% |
| Q1 2025 | $368.6M | $489.4M | 19.01% | 12.96% | 3.01% |
| Q2 2025 | $373.4M | $514.6M | 18.88% | 11.89% | 3.05% |
| Q3 2025 | $383.5M | $516.0M | 18.30% | 10.88% | 2.96% |
| Q4 2025 | $391.0M | $520.9M | 18.61% | 10.34% | 2.92% |
| Q1 2026 | $393.0M | $505.2M | 18.84% | 9.86% | 2.74% |
| Q2 2026 | $398.2M | $548.3M | 19.22% | 9.35% | 2.89% |
Apple River State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Apple River 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 Apple River State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17453) · FFIEC NIC profile (RSSD 594938)