Crossroads 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 CRE concentration (Tier 1 capital + allowance): 9.25 percentage points lower than in Q1 2026, at 151.56%. Crossroads Bank ranks 187th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 72.61% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Crossroads Bank sits 8.23 points lower, at 72.61% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $141.6M |
| Net loans and leases | $140.1M |
| Loans held for sale | $0 |
| Loans to total assets | 60.32% |
| Loan-to-deposit ratio | 72.61% |
| Net loans to equity capital | 4.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 56.83% |
| Multifamily (5+ residential) | 2.25% |
| Commercial and industrial | 16.72% |
| Consumer | 0.56% |
| Credit cards | 0.00% |
| Farm | 3.90% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 151.56% |
| Construction concentration (Tier 1 capital + allowance) | 16.64% |
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 | $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 | $134.8M | $181.1M | 66.42% | 20.57% | 0.84% |
| Q4 2023 | $140.0M | $182.9M | 67.24% | 21.48% | 1.00% |
| Q1 2024 | $140.2M | $190.8M | 66.56% | 22.59% | 0.80% |
| Q2 2024 | $142.2M | $188.0M | 65.74% | 22.72% | 0.77% |
| Q3 2024 | $139.7M | $187.6M | 65.45% | 22.79% | 0.65% |
| Q4 2024 | $139.7M | $187.9M | 64.84% | 22.47% | 1.19% |
| Q1 2025 | $137.1M | $186.4M | 64.57% | 21.60% | 0.97% |
| Q2 2025 | $146.8M | $184.4M | 64.39% | 20.90% | 1.15% |
| Q3 2025 | $156.2M | $188.5M | 61.22% | 25.36% | 1.05% |
| Q4 2025 | $151.5M | $198.8M | 62.18% | 24.54% | 0.60% |
| Q1 2026 | $140.2M | $200.9M | 57.34% | 16.04% | 0.56% |
| Q2 2026 | $141.6M | $195.0M | 56.83% | 16.72% | 0.56% |
Crossroads Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Crossroads 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 Crossroads Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21486) · FFIEC NIC profile (RSSD 158741)