Devon 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): 16.28 percentage points higher than in Q1 2026, at 308.31%. Within Illinois, Devon Bank is 173rd of 323 on loan-to-deposit ratio, 74.40% as of Q2 2026. Devon Bank reported 74.40% on loan-to-deposit ratio for Q2 2026, 6.15 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $195.4M |
| Net loans and leases | $193.7M |
| Loans held for sale | $1.7M |
| Loans to total assets | 46.67% |
| Loan-to-deposit ratio | 74.40% |
| Net loans to equity capital | 7.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 54.43% |
| Multifamily (5+ residential) | 9.24% |
| Commercial and industrial | 4.38% |
| Consumer | 0.53% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 308.31% |
| Construction concentration (Tier 1 capital + allowance) | 8.29% |
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 | 6.08% |
| Interest income on loans | $3.0M |
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 | $252.8M | $381.6M | 42.98% | 12.40% | 1.10% |
| Q4 2023 | $233.4M | $362.8M | 46.33% | 6.90% | 1.07% |
| Q1 2024 | $238.0M | $343.6M | 46.97% | 7.11% | 0.97% |
| Q2 2024 | $232.9M | $334.0M | 48.48% | 6.76% | 0.90% |
| Q3 2024 | $224.7M | $329.9M | 48.04% | 6.79% | 0.81% |
| Q4 2024 | $222.7M | $330.8M | 49.00% | 6.44% | 0.73% |
| Q1 2025 | $210.8M | $321.3M | 52.52% | 4.98% | 0.72% |
| Q2 2025 | $206.9M | $311.3M | 51.40% | 5.54% | 0.68% |
| Q3 2025 | $197.8M | $305.6M | 53.19% | 5.23% | 0.66% |
| Q4 2025 | $201.1M | $300.6M | 53.92% | 4.86% | 0.61% |
| Q1 2026 | $198.2M | $280.1M | 54.81% | 4.92% | 0.57% |
| Q2 2026 | $195.4M | $262.6M | 54.43% | 4.38% | 0.53% |
Devon Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Devon 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 Devon Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16249) · FFIEC NIC profile (RSSD 347639)