Banterra Bank: 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): 17.63 percentage points higher than in Q1 2026, at 217.42%. Within Illinois, Banterra Bank is 71st of 323 on loan-to-deposit ratio, 88.22% as of Q2 2026, above the middle of the field. At 88.22%, Banterra Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.66B |
| Net loans and leases | $2.63B |
| Loans held for sale | $354K |
| Loans to total assets | 79.16% |
| Loan-to-deposit ratio | 88.22% |
| Net loans to equity capital | 11.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.37% |
| Multifamily (5+ residential) | 1.10% |
| Commercial and industrial | 20.16% |
| Consumer | 31.31% |
| Credit cards | 0.00% |
| Farm | 1.60% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.28% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 217.42% |
| Construction concentration (Tier 1 capital + allowance) | 78.45% |
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 | 6.13% |
| Interest income on loans | $39.9M |
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 | $2.22B | $2.66B | 16.75% | 28.70% | 35.09% |
| Q4 2023 | $2.29B | $2.72B | 17.65% | 28.30% | 33.35% |
| Q1 2024 | $2.28B | $2.77B | 18.31% | 27.50% | 33.07% |
| Q2 2024 | $2.34B | $2.69B | 20.44% | 26.59% | 32.66% |
| Q3 2024 | $2.40B | $2.81B | 20.89% | 24.96% | 32.37% |
| Q4 2024 | $2.42B | $2.84B | 20.94% | 25.35% | 31.60% |
| Q1 2025 | $2.46B | $2.89B | 22.95% | 24.28% | 31.28% |
| Q2 2025 | $2.50B | $2.93B | 23.10% | 23.99% | 32.00% |
| Q3 2025 | $2.52B | $2.96B | 23.68% | 22.91% | 31.80% |
| Q4 2025 | $2.57B | $2.98B | 24.78% | 22.55% | 30.67% |
| Q1 2026 | $2.55B | $3.01B | 24.47% | 21.32% | 31.08% |
| Q2 2026 | $2.66B | $3.01B | 24.37% | 20.16% | 31.31% |
Banterra Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Banterra Bank, 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 Banterra Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17514) · FFIEC NIC profile (RSSD 502849)