Community Bank of Easton: 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 64.57 percentage points in Q2 2026, from 10.85% to 75.42%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Community Bank of Easton is 258th of 323 on loan-to-deposit ratio, 55.01% as of Q2 2026, below the middle of the field. Community Bank of Easton reported 55.01% on loan-to-deposit ratio for Q2 2026, 12.91 points below the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $18.8M |
| Net loans and leases | $18.6M |
| Loans held for sale | $0 |
| Loans to total assets | 43.61% |
| Loan-to-deposit ratio | 55.01% |
| Net loans to equity capital | 2.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.23% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 19.96% |
| Consumer | 10.38% |
| Credit cards | 0.00% |
| Farm | 21.92% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 75.42% |
| Construction concentration (Tier 1 capital + allowance) | 7.74% |
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 | 9.14% |
| Interest income on loans | $355K |
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 | $19.5M | $28.4M | 1.21% | 28.09% | 18.03% |
| Q4 2023 | $19.0M | $29.1M | 1.22% | 26.18% | 18.22% |
| Q1 2024 | $18.5M | $28.6M | 1.24% | 25.39% | 18.30% |
| Q2 2024 | $18.9M | $28.9M | 1.20% | 20.45% | 17.56% |
| Q3 2024 | $18.5M | $28.5M | 1.20% | 20.10% | 17.02% |
| Q4 2024 | $17.5M | $29.7M | 0.00% | 17.54% | 17.29% |
| Q1 2025 | $17.5M | $31.2M | 0.00% | 16.67% | 17.40% |
| Q2 2025 | $15.5M | $28.5M | 0.00% | 18.28% | 18.45% |
| Q3 2025 | $14.0M | $31.4M | 0.00% | 18.80% | 15.50% |
| Q4 2025 | $15.9M | $36.0M | 4.61% | 25.20% | 13.34% |
| Q1 2026 | $14.8M | $35.8M | 7.57% | 25.90% | 13.55% |
| Q2 2026 | $18.8M | $34.1M | 27.23% | 19.96% | 10.38% |
Community Bank of Easton loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Easton, 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 Community Bank of Easton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18568) · FFIEC NIC profile (RSSD 958231)