Federated 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) dropped 15.48 percentage points in Q2 2026, from 137.54% to 122.07%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Federated Bank is 162nd of 323 on loan-to-deposit ratio, 75.40% as of Q2 2026. Federated Bank reported 75.40% on loan-to-deposit ratio for Q2 2026, 5.15 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $89.9M |
| Net loans and leases | $89.1M |
| Loans held for sale | $279K |
| Loans to total assets | 64.16% |
| Loan-to-deposit ratio | 75.40% |
| Net loans to equity capital | 4.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.24% |
| Multifamily (5+ residential) | 6.93% |
| Commercial and industrial | 13.77% |
| Consumer | 1.76% |
| Credit cards | 0.72% |
| Farm | 24.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 122.07% |
| Construction concentration (Tier 1 capital + allowance) | 12.61% |
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 | 7.61% |
| Interest income on loans | $1.7M |
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 | $50.8M | $105.3M | 19.58% | 15.64% | 5.39% |
| Q4 2023 | $52.7M | $104.6M | 18.57% | 15.88% | 4.76% |
| Q1 2024 | $52.8M | $100.4M | 26.07% | 17.13% | 4.33% |
| Q2 2024 | $52.6M | $98.5M | 25.08% | 17.35% | 4.36% |
| Q3 2024 | $54.7M | $97.9M | 21.97% | 16.67% | 4.04% |
| Q4 2024 | $58.9M | $108.2M | 21.57% | 15.30% | 3.49% |
| Q1 2025 | $55.5M | $105.5M | 22.52% | 15.76% | 3.32% |
| Q2 2025 | $65.5M | $105.3M | 18.66% | 17.91% | 2.78% |
| Q3 2025 | $74.8M | $107.8M | 15.37% | 21.10% | 2.17% |
| Q4 2025 | $81.5M | $114.0M | 15.75% | 11.78% | 1.96% |
| Q1 2026 | $83.6M | $113.9M | 15.50% | 17.21% | 1.99% |
| Q2 2026 | $89.9M | $119.2M | 12.24% | 13.77% | 1.76% |
Federated Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Federated 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 Federated Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10464) · FFIEC NIC profile (RSSD 640143)