Community Bank of Elmhurst: 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 8.07 percentage points in Q2 2026, from 201.13% to 209.21%. It was the largest change from Q1 2026 among the key lines here. Community Bank of Elmhurst ranks 192nd of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 72.06% (Q2 2026). Community Bank of Elmhurst reported 72.06% on loan-to-deposit ratio for Q2 2026, 8.78 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $127.5M |
| Net loans and leases | $125.3M |
| Loans held for sale | $0 |
| Loans to total assets | 65.54% |
| Loan-to-deposit ratio | 72.06% |
| Net loans to equity capital | 10.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.84% |
| Multifamily (5+ residential) | 10.88% |
| Commercial and industrial | 14.00% |
| Consumer | 0.60% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.33% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 209.21% |
| Construction concentration (Tier 1 capital + allowance) | 15.85% |
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 | 6.54% |
| Interest income on loans | $2.1M |
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 | $106.7M | $173.5M | 41.41% | 15.81% | 0.72% |
| Q4 2023 | $104.4M | $159.5M | 40.70% | 16.88% | 0.76% |
| Q1 2024 | $107.1M | $155.2M | 39.67% | 15.74% | 0.73% |
| Q2 2024 | $103.5M | $151.7M | 39.15% | 15.98% | 0.82% |
| Q3 2024 | $108.0M | $155.6M | 39.94% | 15.35% | 0.74% |
| Q4 2024 | $115.6M | $169.1M | 40.23% | 14.14% | 0.69% |
| Q1 2025 | $118.4M | $182.3M | 40.84% | 15.44% | 0.73% |
| Q2 2025 | $116.0M | $176.8M | 41.78% | 15.31% | 0.74% |
| Q3 2025 | $119.0M | $178.4M | 39.67% | 14.57% | 0.71% |
| Q4 2025 | $124.3M | $187.6M | 40.26% | 15.16% | 0.68% |
| Q1 2026 | $129.3M | $184.2M | 40.12% | 14.38% | 0.65% |
| Q2 2026 | $127.5M | $176.9M | 39.84% | 14.00% | 0.60% |
Community Bank of Elmhurst loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Elmhurst, 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 Elmhurst profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33805) · FFIEC NIC profile (RSSD 2044820)