Bankchampaign, N.A.: 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): 20.77 percentage points lower than in Q1 2026, at 263.40%. Among 323 Illinois banks, Bankchampaign, N.A. sits 14th from the top on loan-to-deposit ratio, 102.02% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bankchampaign, N.A. sits 21.18 points higher, at 102.02% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $197.2M |
| Net loans and leases | $193.7M |
| Loans held for sale | $0 |
| Loans to total assets | 81.19% |
| Loan-to-deposit ratio | 102.02% |
| Net loans to equity capital | 6.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.64% |
| Multifamily (5+ residential) | 17.78% |
| Commercial and industrial | 12.95% |
| Consumer | 0.19% |
| Credit cards | 0.00% |
| Farm | 1.77% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 263.40% |
| Construction concentration (Tier 1 capital + allowance) | 16.37% |
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 | 6.71% |
| Interest income on loans | $3.3M |
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 | $165.4M | $157.5M | 34.22% | 7.51% | 0.25% |
| Q4 2023 | $180.6M | $166.2M | 36.40% | 8.77% | 0.21% |
| Q1 2024 | $178.1M | $172.3M | 35.07% | 10.19% | 0.22% |
| Q2 2024 | $179.2M | $171.0M | 35.01% | 9.69% | 0.36% |
| Q3 2024 | $184.4M | $180.8M | 34.34% | 9.27% | 0.20% |
| Q4 2024 | $196.9M | $192.3M | 32.52% | 10.11% | 0.19% |
| Q1 2025 | $199.6M | $188.7M | 32.80% | 12.04% | 0.20% |
| Q2 2025 | $204.3M | $182.8M | 36.30% | 10.93% | 0.20% |
| Q3 2025 | $207.8M | $196.5M | 37.22% | 10.26% | 0.18% |
| Q4 2025 | $215.7M | $202.3M | 34.18% | 14.08% | 0.17% |
| Q1 2026 | $202.5M | $207.3M | 36.94% | 12.97% | 0.18% |
| Q2 2026 | $197.2M | $193.3M | 37.64% | 12.95% | 0.19% |
Bankchampaign, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankchampaign, N.A., 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 Bankchampaign, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22434) · FFIEC NIC profile (RSSD 436739)