Bank of Belleville: 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.
Loan-to-deposit ratio climbed 10.62 percentage points in Q2 2026, from 84.59% to 95.21%. It was the largest change from Q1 2026 among the key lines here. Bank of Belleville ranks 38th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 95.21% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Belleville sits 14.37 points higher, at 95.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $391.7M |
| Net loans and leases | $388.0M |
| Loans held for sale | $447K |
| Loans to total assets | 69.59% |
| Loan-to-deposit ratio | 95.21% |
| Net loans to equity capital | 9.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.25% |
| Multifamily (5+ residential) | 6.67% |
| Commercial and industrial | 19.77% |
| Consumer | 0.47% |
| Credit cards | 0.00% |
| Farm | 3.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 212.03% |
| Construction concentration (Tier 1 capital + allowance) | 48.16% |
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 | 6.08% |
| Interest income on loans | $5.8M |
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 | $339.2M | $353.9M | 40.67% | 18.07% | 0.91% |
| Q4 2023 | $338.8M | $358.2M | 40.44% | 17.11% | 0.92% |
| Q1 2024 | $342.9M | $372.4M | 40.08% | 16.37% | 1.00% |
| Q2 2024 | $347.6M | $387.4M | 39.61% | 17.79% | 1.00% |
| Q3 2024 | $351.5M | $397.3M | 39.70% | 17.70% | 0.86% |
| Q4 2024 | $356.2M | $404.5M | 38.38% | 19.36% | 0.79% |
| Q1 2025 | $350.6M | $407.3M | 38.64% | 18.91% | 0.75% |
| Q2 2025 | $367.9M | $416.7M | 38.04% | 18.82% | 0.66% |
| Q3 2025 | $376.6M | $439.7M | 37.91% | 19.11% | 0.65% |
| Q4 2025 | $376.1M | $441.7M | 38.83% | 18.24% | 0.56% |
| Q1 2026 | $376.2M | $444.7M | 37.81% | 19.85% | 0.51% |
| Q2 2026 | $391.7M | $411.4M | 37.25% | 19.77% | 0.47% |
Bank of Belleville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Belleville, 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 Bank of Belleville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58114) · FFIEC NIC profile (RSSD 3374403)