Bank of Springfield: 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): 16.85 percentage points higher than in Q1 2026, at 271.49%. Among 323 Illinois banks, Bank of Springfield sits 15th from the top on loan-to-deposit ratio, 100.88% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Bank of Springfield sits 12.68 points higher, at 100.88% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.72B |
| Net loans and leases | $1.70B |
| Loans held for sale | $4.5M |
| Loans to total assets | 86.00% |
| Loan-to-deposit ratio | 100.88% |
| Net loans to equity capital | 9.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.45% |
| Multifamily (5+ residential) | 3.27% |
| Commercial and industrial | 18.58% |
| Consumer | 0.29% |
| Credit cards | 0.00% |
| Farm | 11.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 271.49% |
| Construction concentration (Tier 1 capital + allowance) | 110.00% |
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 | Q2 2026 |
|---|---|
| Yield on loans | 6.38% |
| Interest income on loans | $27.2M |
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 | $1.27B | $1.30B | 28.45% | 17.38% | 0.48% |
| Q4 2023 | $1.31B | $1.32B | 27.48% | 17.46% | 0.48% |
| Q1 2024 | $1.34B | $1.33B | 25.75% | 18.73% | 0.46% |
| Q2 2024 | $1.37B | $1.41B | 25.59% | 19.12% | 0.39% |
| Q3 2024 | $1.41B | $1.48B | 25.45% | 18.63% | 0.46% |
| Q4 2024 | $1.46B | $1.48B | 24.85% | 19.47% | 0.39% |
| Q1 2025 | $1.51B | $1.46B | 24.59% | 20.82% | 0.43% |
| Q2 2025 | $1.52B | $1.54B | 25.15% | 20.18% | 0.44% |
| Q3 2025 | $1.54B | $1.61B | 25.54% | 18.81% | 0.48% |
| Q4 2025 | $1.55B | $1.65B | 23.64% | 20.52% | 0.47% |
| Q1 2026 | $1.64B | $1.68B | 23.08% | 20.35% | 0.25% |
| Q2 2026 | $1.72B | $1.71B | 24.45% | 18.58% | 0.29% |
Bank of Springfield loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Springfield, 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 Springfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19506) · FFIEC NIC profile (RSSD 248240)