Great Rivers 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.
Loan-to-deposit ratio climbed 5.67 percentage points in Q2 2026, from 90.46% to 96.13%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Great Rivers Bank ranks 32nd highest among the 323 banks headquartered in Illinois, at 96.13% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Great Rivers Bank sits 15.29 points higher, at 96.13% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $161.4M |
| Net loans and leases | $159.6M |
| Loans held for sale | $0 |
| Loans to total assets | 82.95% |
| Loan-to-deposit ratio | 96.13% |
| Net loans to equity capital | 7.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.48% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.92% |
| Consumer | 2.80% |
| Credit cards | 0.00% |
| Farm | 35.13% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 150.65% |
| Construction concentration (Tier 1 capital + allowance) | 4.83% |
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 | 6.50% |
| Interest income on loans | $2.6M |
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 | $135.5M | $141.1M | 21.92% | 8.32% | 3.38% |
| Q4 2023 | $137.6M | $140.6M | 22.90% | 6.74% | 3.19% |
| Q1 2024 | $129.6M | $141.2M | 24.91% | 6.68% | 3.36% |
| Q2 2024 | $136.9M | $140.4M | 28.81% | 7.68% | 3.22% |
| Q3 2024 | $141.9M | $139.4M | 29.99% | 7.37% | 3.11% |
| Q4 2024 | $146.3M | $151.2M | 29.39% | 7.69% | 3.05% |
| Q1 2025 | $150.7M | $156.3M | 31.38% | 8.10% | 2.85% |
| Q2 2025 | $154.9M | $154.2M | 33.50% | 8.86% | 2.99% |
| Q3 2025 | $158.7M | $154.0M | 31.29% | 8.40% | 3.21% |
| Q4 2025 | $161.2M | $159.8M | 30.64% | 7.92% | 3.01% |
| Q1 2026 | $157.6M | $174.2M | 30.73% | 7.48% | 3.20% |
| Q2 2026 | $161.4M | $167.9M | 30.48% | 7.92% | 2.80% |
Great Rivers Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Great Rivers 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 Great Rivers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3762) · FFIEC NIC profile (RSSD 857941)