Dewey 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): 16.16 percentage points lower than in Q1 2026, at 148.20%. Dewey Bank ranks 87th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 86.60% (Q2 2026). Dewey Bank reported 86.60% on loan-to-deposit ratio for Q2 2026, 19.27 points above the 67.32% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $21.9M |
| Net loans and leases | $21.8M |
| Loans held for sale | $0 |
| Loans to total assets | 72.19% |
| Loan-to-deposit ratio | 86.60% |
| Net loans to equity capital | 5.49% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.15% |
| Multifamily (5+ residential) | 4.46% |
| Commercial and industrial | 20.61% |
| Consumer | 4.18% |
| Credit cards | 0.00% |
| Farm | 15.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 148.20% |
| Construction concentration (Tier 1 capital + allowance) | 10.34% |
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 | 6.99% |
| Interest income on loans | $387K |
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 | $17.8M | $24.7M | 17.40% | 22.87% | 6.87% |
| Q4 2023 | $19.4M | $24.5M | 15.71% | 25.22% | 6.28% |
| Q1 2024 | $18.3M | $23.9M | 16.16% | 25.84% | 6.44% |
| Q2 2024 | $18.9M | $23.7M | 15.67% | 24.84% | 6.35% |
| Q3 2024 | $20.1M | $25.3M | 14.48% | 24.59% | 5.92% |
| Q4 2024 | $20.4M | $24.7M | 13.05% | 25.08% | 5.73% |
| Q1 2025 | $20.8M | $27.8M | 14.16% | 25.65% | 5.33% |
| Q2 2025 | $21.4M | $26.1M | 15.49% | 21.18% | 5.25% |
| Q3 2025 | $22.4M | $27.7M | 15.29% | 20.63% | 4.57% |
| Q4 2025 | $22.6M | $26.0M | 15.17% | 21.40% | 4.19% |
| Q1 2026 | $22.1M | $26.3M | 15.97% | 22.59% | 4.36% |
| Q2 2026 | $21.9M | $25.3M | 16.15% | 20.61% | 4.18% |
Dewey Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Dewey 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 Dewey Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10803) · FFIEC NIC profile (RSSD 846132)