Dewitt Savings 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: 4.89 percentage points higher than in Q1 2026, at 59.47%. Dewitt Savings Bank ranks 246th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 59.47% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Dewitt Savings Bank sits 21.37 points lower, at 59.47% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $83.9M |
| Net loans and leases | $83.5M |
| Loans held for sale | $0 |
| Loans to total assets | 48.44% |
| Loan-to-deposit ratio | 59.47% |
| Net loans to equity capital | 5.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.55% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 1.43% |
| Consumer | 38.68% |
| Credit cards | 0.00% |
| Farm | 0.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 16.70% |
| Construction concentration (Tier 1 capital + allowance) | 15.32% |
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 | $1.3M |
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 | $80.0M | $119.5M | 2.97% | 2.24% | 34.63% |
| Q4 2023 | $78.5M | $119.2M | 2.68% | 2.05% | 33.36% |
| Q1 2024 | $87.7M | $126.4M | 2.50% | 1.57% | 40.18% |
| Q2 2024 | $85.7M | $124.8M | 2.56% | 1.34% | 40.27% |
| Q3 2024 | $84.5M | $119.8M | 3.32% | 1.35% | 39.30% |
| Q4 2024 | $83.3M | $122.2M | 3.84% | 1.32% | 37.39% |
| Q1 2025 | $81.5M | $128.3M | 3.85% | 1.29% | 36.09% |
| Q2 2025 | $80.1M | $135.7M | 3.73% | 1.14% | 34.90% |
| Q3 2025 | $89.2M | $150.7M | 3.71% | 1.02% | 40.21% |
| Q4 2025 | $87.7M | $148.5M | 3.55% | 1.20% | 40.06% |
| Q1 2026 | $85.1M | $155.9M | 3.57% | 1.20% | 39.74% |
| Q2 2026 | $83.9M | $141.1M | 3.55% | 1.43% | 38.68% |
Dewitt Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Dewitt Savings 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 Dewitt Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29535) · FFIEC NIC profile (RSSD 324975)