The Federal 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.
Cre concentration (tier 1 capital + allowance) climbed 20.87 percentage points in Q2 2026, from 127.56% to 148.43%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The Federal Savings Bank ranks 2nd highest among the 323 banks headquartered in Illinois, at 130.66% (Q2 2026). The Federal Savings Bank reported 130.66% on loan-to-deposit ratio for Q2 2026, 42.46 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $968.4M |
| Net loans and leases | $962.4M |
| Loans held for sale | $169.4M |
| Loans to total assets | 89.61% |
| Loan-to-deposit ratio | 130.66% |
| Net loans to equity capital | 5.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.06% |
| Multifamily (5+ residential) | 0.31% |
| Commercial and industrial | 1.84% |
| Consumer | 0.95% |
| 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) | 148.43% |
| Construction concentration (Tier 1 capital + allowance) | 146.32% |
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 | 6.96% |
| Interest income on loans | $16.3M |
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 | $897.5M | $615.5M | 0.05% | 0.89% | 3.50% |
| Q4 2023 | $939.0M | $663.1M | 0.05% | 1.00% | 3.67% |
| Q1 2024 | $938.9M | $678.8M | 0.05% | 1.18% | 3.72% |
| Q2 2024 | $1.05B | $714.1M | 0.04% | 1.10% | 3.38% |
| Q3 2024 | $1.06B | $790.6M | 0.06% | 1.16% | 3.12% |
| Q4 2024 | $988.1M | $775.1M | 0.07% | 1.43% | 3.08% |
| Q1 2025 | $1.03B | $784.8M | 0.06% | 1.41% | 2.66% |
| Q2 2025 | $1.09B | $786.6M | 0.06% | 1.43% | 2.35% |
| Q3 2025 | $1.06B | $777.4M | 0.06% | 1.51% | 1.12% |
| Q4 2025 | $1.01B | $827.7M | 0.06% | 1.50% | 1.09% |
| Q1 2026 | $960.8M | $760.0M | 0.06% | 1.31% | 1.05% |
| Q2 2026 | $968.4M | $741.1M | 0.06% | 1.84% | 0.95% |
The Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Federal 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 The Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35518) · FFIEC NIC profile (RSSD 2806877)