GN 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.23 percentage points lower than in Q1 2026, at 78.72%. GN Bank ranks 284th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 49.56% (Q2 2026). GN Bank reported 49.56% on loan-to-deposit ratio for Q2 2026, 18.06 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $25.1M |
| Net loans and leases | $24.8M |
| Loans held for sale | $0 |
| Loans to total assets | 41.95% |
| Loan-to-deposit ratio | 49.56% |
| Net loans to equity capital | 2.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.55% |
| Multifamily (5+ residential) | 18.06% |
| Commercial and industrial | 9.68% |
| Consumer | 8.89% |
| 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) | 78.72% |
| Construction concentration (Tier 1 capital + allowance) | 1.25% |
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 | 5.02% |
| Interest income on loans | $322K |
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 | $45.5M | $56.8M | 23.58% | 14.94% | 16.35% |
| Q4 2023 | $44.8M | $54.6M | 23.76% | 15.59% | 15.75% |
| Q1 2024 | $43.4M | $55.0M | 25.55% | 12.95% | 15.31% |
| Q2 2024 | $38.8M | $55.1M | 24.24% | 11.91% | 15.07% |
| Q3 2024 | $37.5M | $55.7M | 23.88% | 11.99% | 14.46% |
| Q4 2024 | $35.3M | $55.7M | 24.59% | 13.28% | 13.51% |
| Q1 2025 | $32.4M | $55.7M | 22.42% | 14.63% | 13.56% |
| Q2 2025 | $30.6M | $54.8M | 22.93% | 15.60% | 12.60% |
| Q3 2025 | $28.1M | $53.3M | 24.79% | 11.33% | 12.55% |
| Q4 2025 | $27.1M | $54.1M | 25.81% | 10.73% | 11.39% |
| Q1 2026 | $26.5M | $52.5M | 27.68% | 9.89% | 9.67% |
| Q2 2026 | $25.1M | $50.6M | 28.55% | 9.68% | 8.89% |
GN Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock GN 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 GN Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29399) · FFIEC NIC profile (RSSD 250476)