The Atlanta National 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 Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 5.39 percentage points lower than in Q2 2026, at 49.01%. The Atlanta National Bank ranks 279th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 51.39% (Q3 2026). The Atlanta National Bank reported 51.39% on loan-to-deposit ratio for Q3 2026, 16.24 points below the 67.62% median for banks in the < $100M asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $36.0M |
| Net loans and leases | $35.7M |
| Loans held for sale | $0 |
| Loans to total assets | 43.80% |
| Loan-to-deposit ratio | 51.39% |
| Net loans to equity capital | 4.22% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.99% |
| Multifamily (5+ residential) | 3.20% |
| Commercial and industrial | 30.76% |
| Consumer | 5.54% |
| Credit cards | 0.00% |
| Farm | 10.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.98% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 49.01% |
| 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 | Q3 2026 |
|---|---|
| Yield on loans | 6.53% |
| Interest income on loans | $589K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $27.6M | $61.1M | 13.90% | 21.50% | 8.96% |
| Q1 2024 | $26.1M | $60.6M | 14.36% | 23.98% | 11.86% |
| Q2 2024 | $28.0M | $62.2M | 13.16% | 29.82% | 9.68% |
| Q3 2024 | $29.9M | $61.9M | 12.15% | 28.98% | 9.40% |
| Q4 2024 | $33.1M | $63.3M | 10.15% | 29.02% | 8.79% |
| Q1 2025 | $31.5M | $63.9M | 11.16% | 31.13% | 8.61% |
| Q2 2025 | $31.3M | $65.1M | 10.44% | 31.45% | 8.62% |
| Q3 2025 | $33.1M | $64.7M | 10.76% | 32.80% | 7.74% |
| Q4 2025 | $35.0M | $65.5M | 12.83% | 30.31% | 7.16% |
| Q1 2026 | $34.4M | $70.6M | 14.01% | 32.99% | 6.86% |
| Q2 2026 | $35.2M | $69.0M | 15.34% | 30.78% | 6.33% |
| Q3 2026 | $36.0M | $70.0M | 15.99% | 30.76% | 5.54% |
The Atlanta National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Atlanta National 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 The Atlanta National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3601) · FFIEC NIC profile (RSSD 672238)