Clay County 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 5.67 percentage points in Q2 2026, from 73.33% to 79.00%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Clay County State Bank is 277th of 323 on loan-to-deposit ratio, 51.56% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Clay County State Bank sits 29.28 points lower, at 51.56% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $47.3M |
| Net loans and leases | $46.8M |
| Loans held for sale | $0 |
| Loans to total assets | 45.33% |
| Loan-to-deposit ratio | 51.56% |
| Net loans to equity capital | 3.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.21% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 10.08% |
| Consumer | 12.23% |
| Credit cards | 0.00% |
| Farm | 13.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.15% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 79.00% |
| Construction concentration (Tier 1 capital + allowance) | 1.47% |
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 | 6.86% |
| Interest income on loans | $779K |
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 | $47.4M | $101.8M | 18.30% | 14.96% | 14.15% |
| Q4 2023 | $49.4M | $94.5M | 17.32% | 14.42% | 13.65% |
| Q1 2024 | $46.7M | $95.6M | 17.17% | 15.10% | 14.46% |
| Q2 2024 | $46.2M | $92.8M | 17.93% | 14.63% | 14.23% |
| Q3 2024 | $45.7M | $90.7M | 18.00% | 13.78% | 14.15% |
| Q4 2024 | $47.2M | $98.6M | 17.07% | 12.96% | 13.88% |
| Q1 2025 | $46.1M | $94.1M | 18.20% | 13.03% | 14.23% |
| Q2 2025 | $46.7M | $89.2M | 19.12% | 12.84% | 13.85% |
| Q3 2025 | $46.8M | $91.0M | 20.34% | 11.97% | 14.21% |
| Q4 2025 | $47.0M | $93.3M | 21.90% | 11.24% | 13.45% |
| Q1 2026 | $46.6M | $94.2M | 22.62% | 10.50% | 12.59% |
| Q2 2026 | $47.3M | $91.7M | 24.21% | 10.08% | 12.23% |
Clay County State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Clay County 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 Clay County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10821) · FFIEC NIC profile (RSSD 498942)