Bank of Stronghurst: 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 Farm: 2.48 percentage points higher than in Q1 2026, at 40.82%. Within Illinois, Bank of Stronghurst is 272nd of 323 on loan-to-deposit ratio, 52.78% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Bank of Stronghurst sits 15.14 points lower, at 52.78% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $41.1M |
| Net loans and leases | $40.6M |
| Loans held for sale | $0 |
| Loans to total assets | 46.87% |
| Loan-to-deposit ratio | 52.78% |
| Net loans to equity capital | 4.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.18% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.82% |
| Consumer | 2.59% |
| Credit cards | 0.00% |
| Farm | 40.82% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 4.39% |
| 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 | Q2 2026 |
|---|---|
| Yield on loans | 5.90% |
| Interest income on loans | $588K |
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 | $38.8M | $75.9M | 11.99% | 11.59% | 4.38% |
| Q4 2023 | $38.5M | $74.2M | 11.87% | 9.98% | 4.16% |
| Q1 2024 | $38.3M | $73.3M | 14.62% | 9.38% | 4.10% |
| Q2 2024 | $38.5M | $73.6M | 14.33% | 8.71% | 4.21% |
| Q3 2024 | $38.3M | $72.3M | 13.14% | 8.81% | 4.05% |
| Q4 2024 | $38.3M | $73.5M | 12.86% | 8.80% | 4.36% |
| Q1 2025 | $37.3M | $76.8M | 13.71% | 8.45% | 3.94% |
| Q2 2025 | $40.8M | $77.7M | 12.23% | 7.95% | 3.57% |
| Q3 2025 | $42.2M | $74.4M | 11.42% | 7.61% | 3.11% |
| Q4 2025 | $42.4M | $75.5M | 11.07% | 7.89% | 2.83% |
| Q1 2026 | $39.8M | $76.9M | 10.63% | 8.28% | 2.61% |
| Q2 2026 | $41.1M | $77.8M | 9.18% | 8.82% | 2.59% |
Bank of Stronghurst loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Stronghurst, 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 Stronghurst profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16413) · FFIEC NIC profile (RSSD 593940)