Cornerstone National Bank & Trust Company: 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: 4.38 percentage points higher than in Q1 2026, at 88.89%. Cornerstone National Bank & Trust Company ranks 68th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 88.89% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Cornerstone National Bank & Trust Company reported 88.89% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $797.3M |
| Net loans and leases | $787.4M |
| Loans held for sale | $1.6M |
| Loans to total assets | 79.13% |
| Loan-to-deposit ratio | 88.89% |
| Net loans to equity capital | 7.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.58% |
| Multifamily (5+ residential) | 9.72% |
| Commercial and industrial | 28.12% |
| Consumer | 0.47% |
| Credit cards | 0.00% |
| Farm | 0.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 211.20% |
| Construction concentration (Tier 1 capital + allowance) | 23.04% |
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 | — |
| Interest income on loans | $12.2M |
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 | $633.5M | $853.4M | 48.20% | 28.75% | 0.45% |
| Q4 2023 | $649.2M | $857.6M | 47.88% | 28.66% | 0.91% |
| Q1 2024 | $634.8M | $883.6M | 48.74% | 27.96% | 1.09% |
| Q2 2024 | $642.8M | $886.2M | 48.10% | 28.77% | 0.85% |
| Q3 2024 | $652.7M | $898.7M | 49.71% | 27.70% | 0.84% |
| Q4 2024 | $651.3M | $871.5M | 49.68% | 27.18% | 0.40% |
| Q1 2025 | $660.4M | $892.9M | 48.08% | 28.90% | 0.39% |
| Q2 2025 | $686.7M | $891.8M | 47.31% | 29.70% | 0.28% |
| Q3 2025 | $717.9M | $904.6M | 45.36% | 29.70% | 0.45% |
| Q4 2025 | $750.8M | $925.0M | 45.05% | 29.41% | 0.37% |
| Q1 2026 | $772.0M | $913.5M | 45.07% | 30.01% | 0.24% |
| Q2 2026 | $797.3M | $897.0M | 45.58% | 28.12% | 0.47% |
Cornerstone National Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cornerstone National Bank & Trust Company, 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 Cornerstone National Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57061) · FFIEC NIC profile (RSSD 2929392)