Bank & Trust Company: 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 Construction concentration (Tier 1 capital + allowance): 9.08 percentage points higher than in Q1 2026, at 13.48%. Bank & Trust Company ranks 127th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 80.29% (Q2 2026). At 80.29%, Bank & Trust Company's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $433.9M |
| Net loans and leases | $426.5M |
| Loans held for sale | $0 |
| Loans to total assets | 67.66% |
| Loan-to-deposit ratio | 80.29% |
| Net loans to equity capital | 6.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.97% |
| Multifamily (5+ residential) | 3.01% |
| Commercial and industrial | 12.46% |
| Consumer | 5.22% |
| Credit cards | 0.00% |
| Farm | 21.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 129.27% |
| Construction concentration (Tier 1 capital + allowance) | 13.48% |
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 | 6.43% |
| Interest income on loans | $6.8M |
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 | $304.2M | $382.9M | 31.13% | 10.92% | 7.47% |
| Q4 2023 | $314.2M | $402.6M | 30.51% | 10.53% | 7.68% |
| Q1 2024 | $314.4M | $418.5M | 31.45% | 10.59% | 6.50% |
| Q2 2024 | $372.0M | $498.5M | 29.14% | 11.58% | 6.24% |
| Q3 2024 | $377.6M | $493.2M | 29.36% | 11.70% | 5.97% |
| Q4 2024 | $386.9M | $498.0M | 28.26% | 12.15% | 5.78% |
| Q1 2025 | $384.1M | $511.4M | 28.35% | 11.72% | 6.15% |
| Q2 2025 | $392.8M | $520.8M | 28.03% | 12.05% | 5.92% |
| Q3 2025 | $410.7M | $522.4M | 29.07% | 12.59% | 5.89% |
| Q4 2025 | $424.1M | $535.1M | 28.34% | 13.07% | 5.63% |
| Q1 2026 | $424.0M | $547.5M | 28.46% | 13.04% | 5.51% |
| Q2 2026 | $433.9M | $540.5M | 25.97% | 12.46% | 5.22% |
Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1047) · FFIEC NIC profile (RSSD 496845)