Buckley State 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.
Cre concentration (tier 1 capital + allowance) climbed 14.43 percentage points in Q2 2026, from 0.13% to 14.56%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Buckley State Bank is 166th of 323 on loan-to-deposit ratio, 75.03% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Buckley State Bank sits 7.41 points higher, at 75.03% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $32.0M |
| Net loans and leases | $31.6M |
| Loans held for sale | $0 |
| Loans to total assets | 65.34% |
| Loan-to-deposit ratio | 75.03% |
| Net loans to equity capital | 5.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.83% |
| Multifamily (5+ residential) | 3.12% |
| Commercial and industrial | 19.92% |
| Consumer | 3.42% |
| Credit cards | 0.00% |
| Farm | 27.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 14.56% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 7.02% |
| Interest income on loans | $539K |
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 | $24.7M | $48.1M | 6.21% | 19.03% | 2.72% |
| Q4 2023 | $28.9M | $48.4M | 7.18% | 17.65% | 3.36% |
| Q1 2024 | $31.4M | $46.3M | 8.63% | 17.19% | 4.28% |
| Q2 2024 | $33.9M | $45.3M | 7.94% | 16.90% | 4.71% |
| Q3 2024 | $32.4M | $44.7M | 8.24% | 17.59% | 4.58% |
| Q4 2024 | $35.2M | $43.4M | 6.82% | 16.06% | 4.17% |
| Q1 2025 | $32.4M | $42.5M | 7.03% | 21.31% | 4.37% |
| Q2 2025 | $35.5M | $43.6M | 10.17% | 19.53% | 3.81% |
| Q3 2025 | $36.6M | $43.0M | 8.61% | 19.85% | 3.35% |
| Q4 2025 | $33.9M | $42.3M | 9.16% | 20.93% | 3.65% |
| Q1 2026 | $31.0M | $44.2M | 10.22% | 21.60% | 3.76% |
| Q2 2026 | $32.0M | $42.7M | 8.83% | 19.92% | 3.42% |
Buckley State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Buckley State 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 Buckley State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12121) · FFIEC NIC profile (RSSD 316934)