Burling 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.
Loan-to-deposit ratio climbed 17.53 percentage points in Q2 2026, from 80.13% to 97.66%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Burling Bank ranks 26th highest among the 323 banks headquartered in Illinois, at 97.66% (Q2 2026). Burling Bank reported 97.66% on loan-to-deposit ratio for Q2 2026, 17.10 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $176.1M |
| Net loans and leases | $173.8M |
| Loans held for sale | $0 |
| Loans to total assets | 82.22% |
| Loan-to-deposit ratio | 97.66% |
| Net loans to equity capital | 5.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.94% |
| Multifamily (5+ residential) | 7.71% |
| Commercial and industrial | 20.72% |
| Consumer | 0.31% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 126.17% |
| Construction concentration (Tier 1 capital + allowance) | 46.84% |
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 | 6.82% |
| Interest income on loans | $2.8M |
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 | $166.0M | $166.3M | 21.44% | 11.74% | 0.78% |
| Q4 2023 | $173.6M | $151.0M | 21.20% | 13.37% | 0.74% |
| Q1 2024 | $185.1M | $205.9M | 22.91% | 15.20% | 0.68% |
| Q2 2024 | $179.2M | $208.5M | 25.03% | 13.36% | 0.67% |
| Q3 2024 | $183.2M | $176.2M | 27.82% | 15.15% | 0.63% |
| Q4 2024 | $173.6M | $184.7M | 27.64% | 12.06% | 0.69% |
| Q1 2025 | $173.4M | $180.0M | 25.27% | 15.45% | 0.73% |
| Q2 2025 | $168.9M | $157.5M | 30.78% | 15.95% | 0.34% |
| Q3 2025 | $163.6M | $157.8M | 31.02% | 15.56% | 0.40% |
| Q4 2025 | $163.9M | $166.9M | 32.36% | 13.94% | 0.26% |
| Q1 2026 | $164.2M | $204.9M | 35.26% | 15.16% | 0.13% |
| Q2 2026 | $176.1M | $180.3M | 32.94% | 20.72% | 0.31% |
Burling Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Burling 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 Burling Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27556) · FFIEC NIC profile (RSSD 1404883)