Carrollton 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 2.54 percentage points higher than in Q1 2026, at 43.29%. Within Illinois, Carrollton Bank is 104th of 323 on loan-to-deposit ratio, 83.63% as of Q2 2026, above the middle of the field. Carrollton Bank reported 83.63% on loan-to-deposit ratio for Q2 2026, 4.57 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.97B |
| Net loans and leases | $2.94B |
| Loans held for sale | $12.5M |
| Loans to total assets | 76.65% |
| Loan-to-deposit ratio | 83.63% |
| Net loans to equity capital | 9.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.35% |
| Multifamily (5+ residential) | 4.31% |
| Commercial and industrial | 30.86% |
| Consumer | 0.12% |
| Credit cards | 0.00% |
| Farm | 3.39% |
| Loans to depository institutions | 0.02% |
| State and political subdivisions | 0.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 221.81% |
| Construction concentration (Tier 1 capital + allowance) | 43.29% |
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 | 5.97% |
| Interest income on loans | $44.1M |
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 | $2.64B | $3.03B | 31.29% | 35.39% | 0.21% |
| Q4 2023 | $2.70B | $3.06B | 30.88% | 34.78% | 0.19% |
| Q1 2024 | $2.74B | $3.17B | 30.88% | 35.22% | 0.18% |
| Q2 2024 | $2.76B | $3.08B | 30.68% | 35.00% | 0.17% |
| Q3 2024 | $2.77B | $3.15B | 30.58% | 34.98% | 0.17% |
| Q4 2024 | $2.80B | $3.19B | 30.83% | 33.80% | 0.16% |
| Q1 2025 | $2.79B | $3.31B | 30.82% | 34.40% | 0.16% |
| Q2 2025 | $2.81B | $3.37B | 30.67% | 33.81% | 0.12% |
| Q3 2025 | $2.78B | $3.46B | 31.42% | 33.02% | 0.12% |
| Q4 2025 | $2.90B | $3.49B | 31.65% | 32.63% | 0.12% |
| Q1 2026 | $2.94B | $3.51B | 31.65% | 31.20% | 0.10% |
| Q2 2026 | $2.97B | $3.56B | 31.35% | 30.86% | 0.12% |
Carrollton Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Carrollton 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 Carrollton Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12383) · FFIEC NIC profile (RSSD 1001648)