Casey 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 149.10% to 163.53%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Casey State Bank is 69th of 323 on loan-to-deposit ratio, 88.41% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Casey State Bank sits 7.86 points higher, at 88.41% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $391.5M |
| Net loans and leases | $384.2M |
| Loans held for sale | $0 |
| Loans to total assets | 78.82% |
| Loan-to-deposit ratio | 88.41% |
| Net loans to equity capital | 7.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.08% |
| Multifamily (5+ residential) | 2.78% |
| Commercial and industrial | 21.48% |
| Consumer | 8.33% |
| Credit cards | 0.00% |
| Farm | 9.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 163.53% |
| Construction concentration (Tier 1 capital + allowance) | 19.37% |
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 | 6.79% |
| Interest income on loans | $6.6M |
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 | $360.8M | $410.5M | 21.45% | 23.02% | 10.57% |
| Q4 2023 | $376.5M | $430.5M | 21.11% | 22.01% | 10.29% |
| Q1 2024 | $368.6M | $427.3M | 20.81% | 21.68% | 10.36% |
| Q2 2024 | $362.7M | $439.7M | 21.35% | 21.82% | 10.68% |
| Q3 2024 | $361.5M | $437.9M | 21.69% | 19.24% | 10.37% |
| Q4 2024 | $371.1M | $431.8M | 20.69% | 18.67% | 9.80% |
| Q1 2025 | $369.8M | $427.9M | 22.02% | 20.43% | 10.47% |
| Q2 2025 | $371.8M | $433.2M | 23.07% | 20.66% | 9.95% |
| Q3 2025 | $377.4M | $434.3M | 23.84% | 20.31% | 9.42% |
| Q4 2025 | $382.3M | $431.6M | 22.90% | 20.24% | 9.04% |
| Q1 2026 | $384.1M | $451.8M | 23.04% | 21.17% | 8.79% |
| Q2 2026 | $391.5M | $442.8M | 25.08% | 21.48% | 8.33% |
Casey State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Casey 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 Casey State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3614) · FFIEC NIC profile (RSSD 306337)