Exchange State 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.
Farm dropped 4.21 percentage points in Q2 2026, from 18.17% to 13.95%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Exchange State Bank is 240th of 323 on loan-to-deposit ratio, 62.84% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Exchange State Bank sits 17.71 points lower, at 62.84% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $62.0M |
| Net loans and leases | $61.3M |
| Loans held for sale | $0 |
| Loans to total assets | 54.97% |
| Loan-to-deposit ratio | 62.84% |
| Net loans to equity capital | 5.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.66% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 31.13% |
| Consumer | 2.86% |
| Credit cards | 0.00% |
| Farm | 13.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.46% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 39.33% |
| Construction concentration (Tier 1 capital + allowance) | 13.71% |
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 | 6.53% |
| Interest income on loans | $1.0M |
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 | $51.6M | $84.1M | 5.97% | 30.37% | 3.19% |
| Q4 2023 | $55.8M | $87.6M | 5.42% | 30.91% | 2.81% |
| Q1 2024 | $55.1M | $84.8M | 5.38% | 32.57% | 2.72% |
| Q2 2024 | $56.7M | $88.5M | 5.13% | 32.94% | 2.82% |
| Q3 2024 | $57.3M | $96.2M | 5.06% | 31.69% | 2.61% |
| Q4 2024 | $61.2M | $97.3M | 4.70% | 31.86% | 2.59% |
| Q1 2025 | $57.9M | $91.2M | 4.90% | 31.49% | 2.72% |
| Q2 2025 | $57.8M | $99.8M | 5.11% | 33.43% | 2.57% |
| Q3 2025 | $60.9M | $97.9M | 4.97% | 32.20% | 2.83% |
| Q4 2025 | $62.5M | $93.9M | 4.75% | 32.89% | 2.84% |
| Q1 2026 | $61.9M | $98.4M | 5.53% | 29.49% | 2.73% |
| Q2 2026 | $62.0M | $98.6M | 5.66% | 31.13% | 2.86% |
Exchange State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange State 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 Exchange State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12402) · FFIEC NIC profile (RSSD 769334)