Bank of O'Fallon: 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 CRE concentration (Tier 1 capital + allowance): 5.85 percentage points lower than in Q1 2026, at 126.89%. Within Illinois, Bank of O'Fallon is 80th of 323 on loan-to-deposit ratio, 87.49% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of O'Fallon sits 6.65 points higher, at 87.49% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $283.6M |
| Net loans and leases | $279.0M |
| Loans held for sale | $0 |
| Loans to total assets | 75.12% |
| Loan-to-deposit ratio | 87.49% |
| Net loans to equity capital | 5.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.16% |
| Multifamily (5+ residential) | 2.57% |
| Commercial and industrial | 6.37% |
| Consumer | 3.12% |
| Credit cards | 0.00% |
| Farm | 0.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 126.89% |
| Construction concentration (Tier 1 capital + allowance) | 71.84% |
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 | 5.72% |
| Interest income on loans | $4.0M |
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 | $258.5M | $303.0M | 14.37% | 6.96% | 3.78% |
| Q4 2023 | $260.0M | $288.5M | 15.14% | 6.49% | 3.62% |
| Q1 2024 | $269.5M | $304.2M | 14.88% | 6.20% | 3.47% |
| Q2 2024 | $269.7M | $292.8M | 14.67% | 6.00% | 3.71% |
| Q3 2024 | $271.2M | $297.1M | 14.30% | 5.73% | 3.80% |
| Q4 2024 | $269.5M | $303.6M | 13.09% | 6.31% | 3.82% |
| Q1 2025 | $263.8M | $324.4M | 13.36% | 6.14% | 3.71% |
| Q2 2025 | $268.2M | $319.7M | 13.70% | 6.23% | 3.71% |
| Q3 2025 | $271.2M | $326.1M | 13.17% | 6.46% | 3.67% |
| Q4 2025 | $281.1M | $326.6M | 12.84% | 6.42% | 3.39% |
| Q1 2026 | $285.0M | $325.1M | 12.32% | 6.48% | 3.11% |
| Q2 2026 | $283.6M | $324.1M | 12.16% | 6.37% | 3.12% |
Bank of O'Fallon loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of O'Fallon, 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 O'Fallon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18171) · FFIEC NIC profile (RSSD 410748)