The City National Bank of Metropolis: 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): 4.03 percentage points higher than in Q1 2026, at 18.54%. Within Illinois, The City National Bank of Metropolis is 193rd of 323 on loan-to-deposit ratio, 72.05% as of Q2 2026, below the middle of the field. The City National Bank of Metropolis reported 72.05% on loan-to-deposit ratio for Q2 2026, 8.79 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $247.8M |
| Net loans and leases | $244.9M |
| Loans held for sale | $0 |
| Loans to total assets | 55.76% |
| Loan-to-deposit ratio | 72.05% |
| Net loans to equity capital | 5.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.60% |
| Multifamily (5+ residential) | 0.03% |
| Commercial and industrial | 6.53% |
| Consumer | 5.02% |
| Credit cards | 0.00% |
| Farm | 3.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 21.76% |
| Construction concentration (Tier 1 capital + allowance) | 18.54% |
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 | — |
| Interest income on loans | $4.0M |
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 | $222.0M | $354.4M | 23.29% | 9.19% | 6.40% |
| Q4 2023 | $225.6M | $349.9M | 23.71% | 9.01% | 6.22% |
| Q1 2024 | $221.1M | $349.4M | 24.70% | 9.11% | 5.87% |
| Q2 2024 | $221.9M | $349.5M | 24.15% | 8.52% | 5.93% |
| Q3 2024 | $220.5M | $351.4M | 23.37% | 8.06% | 5.95% |
| Q4 2024 | $223.9M | $347.7M | 23.16% | 8.52% | 5.76% |
| Q1 2025 | $222.1M | $353.3M | 23.37% | 8.60% | 5.80% |
| Q2 2025 | $229.5M | $350.2M | 23.27% | 7.84% | 5.75% |
| Q3 2025 | $236.0M | $348.9M | 23.09% | 7.25% | 5.50% |
| Q4 2025 | $234.9M | $346.1M | 20.83% | 6.57% | 5.51% |
| Q1 2026 | $238.0M | $348.9M | 20.27% | 6.52% | 5.33% |
| Q2 2026 | $247.8M | $343.9M | 19.60% | 6.53% | 5.02% |
The City National Bank of Metropolis loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The City National Bank of Metropolis, 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 The City National Bank of Metropolis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3814) · FFIEC NIC profile (RSSD 298245)