Barrington Bank & Trust Company, 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): 10.66 percentage points lower than in Q1 2026, at 205.47%. Within Illinois, Barrington Bank & Trust Company, N.A. is 45th of 323 on loan-to-deposit ratio, 94.16% as of Q2 2026, above the middle of the field. Barrington Bank & Trust Company, N.A. reported 94.16% on loan-to-deposit ratio for Q2 2026, 5.96 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.90B |
| Net loans and leases | $3.87B |
| Loans held for sale | $407.5M |
| Loans to total assets | 75.47% |
| Loan-to-deposit ratio | 94.16% |
| Net loans to equity capital | 7.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.91% |
| Multifamily (5+ residential) | 3.17% |
| Commercial and industrial | 41.55% |
| Consumer | 9.55% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 205.47% |
| Construction concentration (Tier 1 capital + allowance) | 23.83% |
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 | 5.65% |
| Interest income on loans | $53.8M |
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 | $2.96B | $2.97B | 8.80% | 37.79% | 17.14% |
| Q4 2023 | $3.05B | $3.10B | 9.20% | 38.78% | 16.70% |
| Q1 2024 | $3.36B | $3.31B | 8.56% | 43.23% | 14.63% |
| Q2 2024 | $3.27B | $3.18B | 8.27% | 40.61% | 14.66% |
| Q3 2024 | $3.41B | $3.38B | 8.11% | 41.73% | 13.41% |
| Q4 2024 | $3.44B | $3.26B | 8.58% | 45.19% | 12.39% |
| Q1 2025 | $3.51B | $3.47B | 9.41% | 48.11% | 11.07% |
| Q2 2025 | $3.69B | $3.60B | 10.25% | 48.13% | 10.45% |
| Q3 2025 | $3.78B | $3.76B | 10.66% | 46.13% | 9.98% |
| Q4 2025 | $3.79B | $3.67B | 11.27% | 42.41% | 10.20% |
| Q1 2026 | $3.88B | $3.84B | 11.34% | 42.33% | 9.51% |
| Q2 2026 | $3.90B | $4.14B | 10.91% | 41.55% | 9.55% |
Barrington Bank & Trust Company, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Barrington Bank & Trust Company, 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 Barrington Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34395) · FFIEC NIC profile (RSSD 2508751)