Bank of Rantoul: 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): 17.52 percentage points lower than in Q1 2026, at 86.77%. On loan-to-deposit ratio, Bank of Rantoul is 19th from the bottom among 323 Illinois banks, 43.14% (Q2 2026). Bank of Rantoul reported 43.14% on loan-to-deposit ratio for Q2 2026, 37.70 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $96.4M |
| Net loans and leases | $94.4M |
| Loans held for sale | $0 |
| Loans to total assets | 33.71% |
| Loan-to-deposit ratio | 43.14% |
| Net loans to equity capital | 3.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.86% |
| Multifamily (5+ residential) | 0.60% |
| Commercial and industrial | 20.11% |
| Consumer | 1.70% |
| Credit cards | 0.44% |
| Farm | 26.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 86.77% |
| Construction concentration (Tier 1 capital + allowance) | 4.10% |
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 | 7.10% |
| Interest income on loans | $1.7M |
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 | $99.9M | $203.7M | 24.06% | 28.77% | 1.20% |
| Q4 2023 | $100.7M | $200.0M | 22.14% | 24.18% | 1.26% |
| Q1 2024 | $96.7M | $200.7M | 23.33% | 27.48% | 1.55% |
| Q2 2024 | $100.5M | $197.5M | 25.57% | 25.45% | 1.46% |
| Q3 2024 | $104.3M | $205.7M | 24.38% | 28.62% | 1.39% |
| Q4 2024 | $109.5M | $207.4M | 22.38% | 22.10% | 1.23% |
| Q1 2025 | $98.2M | $205.6M | 24.45% | 24.41% | 1.61% |
| Q2 2025 | $96.7M | $203.1M | 21.77% | 23.60% | 1.56% |
| Q3 2025 | $104.4M | $204.8M | 21.79% | 27.32% | 1.56% |
| Q4 2025 | $107.1M | $221.1M | 21.47% | 23.04% | 1.51% |
| Q1 2026 | $102.6M | $225.2M | 23.70% | 23.09% | 1.48% |
| Q2 2026 | $96.4M | $223.3M | 23.86% | 20.11% | 1.70% |
Bank of Rantoul loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Rantoul, 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 Rantoul profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11711) · FFIEC NIC profile (RSSD 37949)