Community Partners Savings 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 5.54 percentage points in Q2 2026, from 66.48% to 72.01%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Community Partners Savings Bank is 254th of 323 on loan-to-deposit ratio, 57.23% as of Q2 2026, below the middle of the field. Community Partners Savings Bank reported 57.23% on loan-to-deposit ratio for Q2 2026, 23.61 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $129.6M |
| Net loans and leases | $128.8M |
| Loans held for sale | $0 |
| Loans to total assets | 44.94% |
| Loan-to-deposit ratio | 57.23% |
| Net loans to equity capital | 4.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.78% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.47% |
| Consumer | 7.72% |
| Credit cards | 0.00% |
| Farm | 3.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.17% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 72.01% |
| Construction concentration (Tier 1 capital + allowance) | 7.56% |
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 | 6.85% |
| Interest income on loans | $2.2M |
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 | $120.1M | $203.4M | 25.10% | 5.35% | 12.01% |
| Q4 2023 | $125.6M | $203.2M | 28.86% | 4.98% | 10.91% |
| Q1 2024 | $124.4M | $205.7M | 29.04% | 5.24% | 10.63% |
| Q2 2024 | $124.0M | $203.4M | 28.60% | 6.01% | 10.10% |
| Q3 2024 | $122.0M | $207.2M | 28.63% | 6.00% | 10.32% |
| Q4 2024 | $134.5M | $232.2M | 26.49% | 5.16% | 10.14% |
| Q1 2025 | $132.3M | $231.1M | 21.31% | 4.86% | 9.42% |
| Q2 2025 | $134.3M | $226.0M | 22.39% | 6.53% | 8.86% |
| Q3 2025 | $132.0M | $224.0M | 21.35% | 6.59% | 8.38% |
| Q4 2025 | $132.0M | $225.1M | 22.34% | 6.31% | 8.93% |
| Q1 2026 | $127.0M | $230.8M | 21.29% | 6.44% | 8.73% |
| Q2 2026 | $129.6M | $226.5M | 23.78% | 6.47% | 7.72% |
Community Partners Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Partners Savings 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 Community Partners Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30819) · FFIEC NIC profile (RSSD 441078)