Goodfield 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.
CRE concentration (Tier 1 capital + allowance) climbed 8.03 percentage points in Q2 2026, from 134.11% to 142.14%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Goodfield State Bank is 63rd of 323 on loan-to-deposit ratio, 89.47% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Goodfield State Bank sits 8.92 points higher, at 89.47% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $223.7M |
| Net loans and leases | $221.2M |
| Loans held for sale | $0 |
| Loans to total assets | 78.36% |
| Loan-to-deposit ratio | 89.47% |
| Net loans to equity capital | 7.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.75% |
| Multifamily (5+ residential) | 3.08% |
| Commercial and industrial | 20.22% |
| Consumer | 2.73% |
| Credit cards | 0.00% |
| Farm | 5.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 142.14% |
| Construction concentration (Tier 1 capital + allowance) | 35.91% |
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 | 6.77% |
| Interest income on loans | $3.7M |
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 | $162.4M | $176.3M | 24.93% | 23.22% | 3.49% |
| Q4 2023 | $168.2M | $179.1M | 23.78% | 23.23% | 3.81% |
| Q1 2024 | $167.7M | $186.2M | 24.42% | 22.36% | 3.65% |
| Q2 2024 | $173.3M | $182.9M | 23.29% | 22.68% | 3.61% |
| Q3 2024 | $177.0M | $193.0M | 22.99% | 21.05% | 3.75% |
| Q4 2024 | $183.2M | $206.3M | 24.32% | 21.10% | 3.55% |
| Q1 2025 | $190.3M | $203.9M | 24.05% | 21.78% | 3.45% |
| Q2 2025 | $202.6M | $208.9M | 23.08% | 21.66% | 3.25% |
| Q3 2025 | $205.4M | $213.1M | 22.62% | 20.61% | 3.11% |
| Q4 2025 | $209.7M | $241.9M | 22.31% | 20.72% | 2.93% |
| Q1 2026 | $213.1M | $250.3M | 22.06% | 20.27% | 2.88% |
| Q2 2026 | $223.7M | $250.1M | 21.75% | 20.22% | 2.73% |
Goodfield State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Goodfield 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 Goodfield State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11699) · FFIEC NIC profile (RSSD 936837)