Grand Ridge National 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): 16.15 percentage points lower than in Q1 2026, at 242.13%. Within Illinois, Grand Ridge National Bank is 67th of 323 on loan-to-deposit ratio, 88.93% as of Q2 2026, above the middle of the field. Grand Ridge National Bank reported 88.93% on loan-to-deposit ratio for Q2 2026, 8.09 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $337.4M |
| Net loans and leases | $333.8M |
| Loans held for sale | $0 |
| Loans to total assets | 76.11% |
| Loan-to-deposit ratio | 88.93% |
| Net loans to equity capital | 5.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 79.31% |
| Multifamily (5+ residential) | 4.96% |
| Commercial and industrial | 5.24% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 242.13% |
| Construction concentration (Tier 1 capital + allowance) | 18.61% |
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 | 8.40% |
| Interest income on loans | $7.1M |
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 | $287.1M | $290.3M | 72.96% | 9.82% | 0.03% |
| Q4 2023 | $292.9M | $303.9M | 70.25% | 9.72% | 0.03% |
| Q1 2024 | $289.5M | $316.0M | 75.01% | 9.23% | 0.02% |
| Q2 2024 | $300.8M | $323.5M | 75.73% | 8.55% | 0.01% |
| Q3 2024 | $301.3M | $324.2M | 73.54% | 8.22% | 0.00% |
| Q4 2024 | $299.9M | $329.3M | 77.40% | 8.26% | 0.03% |
| Q1 2025 | $307.9M | $340.6M | 77.91% | 7.96% | 0.00% |
| Q2 2025 | $309.5M | $365.9M | 76.29% | 7.09% | 0.00% |
| Q3 2025 | $333.0M | $398.3M | 75.92% | 6.81% | 0.01% |
| Q4 2025 | $329.7M | $387.3M | 77.26% | 5.95% | 0.01% |
| Q1 2026 | $331.8M | $365.7M | 79.09% | 5.29% | 0.00% |
| Q2 2026 | $337.4M | $379.4M | 79.31% | 5.24% | 0.00% |
Grand Ridge National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Grand Ridge National 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 Grand Ridge National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3674) · FFIEC NIC profile (RSSD 875132)