Eureka 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.
Loan-to-deposit ratio climbed 2.17 percentage points in Q2 2026, from 82.54% to 84.71%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Eureka Savings Bank is 97th of 323 on loan-to-deposit ratio, 84.71% as of Q2 2026, above the middle of the field. Eureka Savings Bank reported 84.71% on loan-to-deposit ratio for Q2 2026, 3.87 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $270.6M |
| Net loans and leases | $267.5M |
| Loans held for sale | $0 |
| Loans to total assets | 62.10% |
| Loan-to-deposit ratio | 84.71% |
| Net loans to equity capital | 2.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.01% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 11.79% |
| Consumer | 0.85% |
| Credit cards | 0.00% |
| Farm | 4.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 30.35% |
| Construction concentration (Tier 1 capital + allowance) | 15.13% |
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 | 5.61% |
| Interest income on loans | $3.7M |
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 | $228.2M | $299.6M | 13.82% | 7.58% | 0.93% |
| Q4 2023 | $231.3M | $304.3M | 12.63% | 8.11% | 0.90% |
| Q1 2024 | $228.1M | $307.8M | 12.78% | 7.58% | 0.95% |
| Q2 2024 | $246.8M | $302.2M | 15.41% | 11.08% | 0.90% |
| Q3 2024 | $250.1M | $300.9M | 15.23% | 12.17% | 0.96% |
| Q4 2024 | $251.0M | $304.5M | 15.08% | 12.48% | 0.98% |
| Q1 2025 | $248.5M | $311.7M | 15.97% | 12.59% | 0.99% |
| Q2 2025 | $253.2M | $309.5M | 17.48% | 12.43% | 0.98% |
| Q3 2025 | $255.6M | $309.5M | 17.43% | 12.64% | 1.01% |
| Q4 2025 | $266.9M | $316.9M | 19.77% | 12.06% | 0.88% |
| Q1 2026 | $267.6M | $324.2M | 19.54% | 11.84% | 0.85% |
| Q2 2026 | $270.6M | $319.5M | 19.01% | 11.79% | 0.85% |
Eureka Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Eureka 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 Eureka Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28401) · FFIEC NIC profile (RSSD 587677)