Flora Bank & Trust: 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 CRE concentration (Tier 1 capital + allowance): 15.61 percentage points lower than in Q1 2026, at 53.49%. Flora Bank & Trust ranks 267th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 53.18% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Flora Bank & Trust sits 27.66 points lower, at 53.18% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $62.3M |
| Net loans and leases | $62.1M |
| Loans held for sale | $0 |
| Loans to total assets | 49.48% |
| Loan-to-deposit ratio | 53.18% |
| Net loans to equity capital | 7.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.20% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 17.59% |
| Consumer | 24.57% |
| Credit cards | 0.00% |
| Farm | 5.62% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.81% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 53.49% |
| Construction concentration (Tier 1 capital + allowance) | 32.38% |
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 | 6.80% |
| Interest income on loans | $1.1M |
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 | $51.1M | $101.2M | 9.89% | 15.46% | 25.18% |
| Q4 2023 | $56.1M | $108.6M | 9.60% | 16.23% | 22.90% |
| Q1 2024 | $55.0M | $104.9M | 9.70% | 16.33% | 22.98% |
| Q2 2024 | $56.7M | $109.0M | 9.32% | 17.13% | 22.33% |
| Q3 2024 | $60.4M | $111.8M | 10.16% | 18.64% | 22.22% |
| Q4 2024 | $62.4M | $111.1M | 9.74% | 18.10% | 22.13% |
| Q1 2025 | $59.1M | $108.6M | 10.71% | 18.30% | 22.78% |
| Q2 2025 | $58.1M | $110.6M | 9.27% | 18.04% | 22.85% |
| Q3 2025 | $58.5M | $110.2M | 8.38% | 19.54% | 22.16% |
| Q4 2025 | $63.2M | $111.6M | 7.48% | 20.51% | 22.91% |
| Q1 2026 | $64.3M | $116.5M | 8.86% | 19.87% | 22.62% |
| Q2 2026 | $62.3M | $117.2M | 8.20% | 17.59% | 24.57% |
Flora Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Flora Bank & Trust, 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 Flora Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22598) · FFIEC NIC profile (RSSD 777441)