Community 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 6.84 percentage points lower than in Q1 2026, at 75.70%. Community State Bank ranks 159th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 75.70% (Q2 2026). Community State Bank reported 75.70% on loan-to-deposit ratio for Q2 2026, 4.86 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $302.1M |
| Net loans and leases | $297.7M |
| Loans held for sale | $0 |
| Loans to total assets | 68.37% |
| Loan-to-deposit ratio | 75.70% |
| Net loans to equity capital | 7.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.59% |
| Multifamily (5+ residential) | 4.73% |
| Commercial and industrial | 11.77% |
| Consumer | 0.97% |
| Credit cards | 0.00% |
| Farm | 8.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.92% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 287.32% |
| Construction concentration (Tier 1 capital + allowance) | 106.86% |
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 | 6.78% |
| Interest income on loans | $5.0M |
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 | $244.6M | $308.2M | 38.24% | 10.29% | 1.66% |
| Q4 2023 | $239.8M | $314.2M | 36.49% | 10.76% | 1.68% |
| Q1 2024 | $240.9M | $316.7M | 37.98% | 9.46% | 1.62% |
| Q2 2024 | $253.2M | $321.9M | 38.88% | 9.29% | 1.58% |
| Q3 2024 | $253.9M | $328.8M | 38.24% | 9.43% | 1.59% |
| Q4 2024 | $259.0M | $327.9M | 38.73% | 11.67% | 1.50% |
| Q1 2025 | $264.1M | $327.4M | 39.75% | 12.29% | 1.30% |
| Q2 2025 | $262.4M | $331.7M | 40.00% | 12.19% | 1.27% |
| Q3 2025 | $261.1M | $337.2M | 40.82% | 12.17% | 1.24% |
| Q4 2025 | $281.6M | $346.2M | 41.26% | 11.31% | 1.08% |
| Q1 2026 | $298.1M | $361.1M | 40.68% | 11.00% | 1.01% |
| Q2 2026 | $302.1M | $399.1M | 42.59% | 11.77% | 0.97% |
Community State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 Community State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23257) · FFIEC NIC profile (RSSD 987231)