Blackhawk Bank & Trust: 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.
Construction concentration (tier 1 capital + allowance) climbed 15.83 percentage points in Q2 2026, from 74.57% to 90.40%. It was the largest change from Q1 2026 among the key lines here. Blackhawk Bank & Trust ranks 135th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 79.12% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Blackhawk Bank & Trust sits 9.08 points lower, at 79.12% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.27B |
| Net loans and leases | $1.25B |
| Loans held for sale | $0 |
| Loans to total assets | 62.24% |
| Loan-to-deposit ratio | 79.12% |
| Net loans to equity capital | 6.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.18% |
| Multifamily (5+ residential) | 7.83% |
| Commercial and industrial | 14.99% |
| Consumer | 1.55% |
| Credit cards | 0.16% |
| Farm | 1.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.72% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 286.49% |
| Construction concentration (Tier 1 capital + allowance) | 90.40% |
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 | 6.34% |
| Interest income on loans | $19.8M |
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 | $892.5M | $1.26B | 44.77% | 16.09% | 2.00% |
| Q4 2023 | $932.8M | $1.25B | 44.20% | 15.45% | 2.00% |
| Q1 2024 | $965.9M | $1.27B | 45.29% | 15.62% | 1.78% |
| Q2 2024 | $993.7M | $1.34B | 44.00% | 14.11% | 1.77% |
| Q3 2024 | $1.05B | $1.34B | 42.90% | 13.95% | 1.76% |
| Q4 2024 | $1.09B | $1.37B | 42.50% | 13.35% | 1.77% |
| Q1 2025 | $1.14B | $1.39B | 42.40% | 13.32% | 1.66% |
| Q2 2025 | $1.16B | $1.48B | 43.52% | 13.23% | 1.71% |
| Q3 2025 | $1.17B | $1.53B | 43.16% | 13.73% | 1.72% |
| Q4 2025 | $1.21B | $1.58B | 42.83% | 14.48% | 1.66% |
| Q1 2026 | $1.24B | $1.57B | 42.09% | 14.87% | 1.54% |
| Q2 2026 | $1.27B | $1.60B | 40.18% | 14.99% | 1.55% |
Blackhawk Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Blackhawk Bank & Trust, 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 Blackhawk Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18402) · FFIEC NIC profile (RSSD 890742)