The Granville 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.
Cre concentration (tier 1 capital + allowance) climbed 2.39 percentage points in Q2 2026, from 53.55% to 55.94%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, The Granville National Bank is 278th of 323 on loan-to-deposit ratio, 51.48% as of Q2 2026, below the middle of the field. The Granville National Bank reported 51.48% on loan-to-deposit ratio for Q2 2026, 29.36 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $54.1M |
| Net loans and leases | $53.4M |
| Loans held for sale | $0 |
| Loans to total assets | 45.73% |
| Loan-to-deposit ratio | 51.48% |
| Net loans to equity capital | 4.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.68% |
| Multifamily (5+ residential) | 1.72% |
| Commercial and industrial | 16.79% |
| Consumer | 12.04% |
| Credit cards | 0.00% |
| Farm | 3.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 55.94% |
| Construction concentration (Tier 1 capital + allowance) | 7.57% |
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 | — |
| Interest income on loans | $798K |
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 | $44.7M | $100.0M | 8.28% | 8.04% | 13.39% |
| Q4 2023 | $46.7M | $100.8M | 8.31% | 9.33% | 12.02% |
| Q1 2024 | $47.2M | $101.2M | 8.23% | 10.20% | 11.66% |
| Q2 2024 | $47.0M | $98.5M | 9.79% | 11.22% | 12.33% |
| Q3 2024 | $48.3M | $101.3M | 10.19% | 12.04% | 12.56% |
| Q4 2024 | $49.9M | $99.4M | 11.46% | 10.86% | 12.62% |
| Q1 2025 | $52.0M | $102.1M | 12.76% | 13.01% | 11.64% |
| Q2 2025 | $51.8M | $101.7M | 12.67% | 14.47% | 11.89% |
| Q3 2025 | $52.7M | $100.4M | 12.35% | 14.95% | 12.04% |
| Q4 2025 | $53.0M | $103.5M | 12.53% | 14.41% | 12.07% |
| Q1 2026 | $53.7M | $105.2M | 12.32% | 15.73% | 11.89% |
| Q2 2026 | $54.1M | $105.1M | 12.68% | 16.79% | 12.04% |
The Granville National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Granville 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 The Granville National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13983) · FFIEC NIC profile (RSSD 560830)