Beverly 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.
Cre concentration (tier 1 capital + allowance) climbed 8.54 percentage points in Q2 2026, from 185.88% to 194.41%. It was the largest change from Q1 2026 among the key lines here. Beverly Bank & Trust Company, N.A. ranks 55th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 91.05% (Q2 2026). Beverly Bank & Trust Company, N.A. reported 91.05% on loan-to-deposit ratio for Q2 2026, 2.85 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.07B |
| Net loans and leases | $2.06B |
| Loans held for sale | $0 |
| Loans to total assets | 76.85% |
| Loan-to-deposit ratio | 91.05% |
| Net loans to equity capital | 7.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.19% |
| Multifamily (5+ residential) | 6.20% |
| Commercial and industrial | 46.06% |
| Consumer | 9.91% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.18% |
| State and political subdivisions | 0.12% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 194.41% |
| Construction concentration (Tier 1 capital + allowance) | 36.44% |
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 | 5.86% |
| Interest income on loans | $29.9M |
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 | $1.81B | $1.89B | 18.11% | 44.93% | 11.30% |
| Q4 2023 | $1.85B | $1.95B | 17.97% | 45.66% | 11.00% |
| Q1 2024 | $1.89B | $1.98B | 17.67% | 45.50% | 11.07% |
| Q2 2024 | $1.95B | $2.11B | 17.09% | 47.00% | 10.23% |
| Q3 2024 | $1.90B | $2.08B | 17.23% | 46.97% | 10.01% |
| Q4 2024 | $1.95B | $2.10B | 15.95% | 50.70% | 8.21% |
| Q1 2025 | $2.01B | $2.09B | 14.82% | 52.94% | 7.99% |
| Q2 2025 | $2.06B | $2.18B | 14.41% | 52.16% | 7.94% |
| Q3 2025 | $1.98B | $2.11B | 16.43% | 46.50% | 7.89% |
| Q4 2025 | $1.97B | $2.13B | 16.02% | 45.19% | 7.85% |
| Q1 2026 | $2.07B | $2.26B | 15.01% | 46.16% | 7.49% |
| Q2 2026 | $2.07B | $2.27B | 16.19% | 46.06% | 9.91% |
Beverly 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 Beverly 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 Beverly Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57701) · FFIEC NIC profile (RSSD 3216017)