Grundy 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 dropped 23.61 percentage points in Q2 2026, from 79.01% to 55.41%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Grundy Bank is 257th of 323 on loan-to-deposit ratio, 55.41% as of Q2 2026, below the middle of the field. Grundy Bank reported 55.41% on loan-to-deposit ratio for Q2 2026, 25.43 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $249.0M |
| Net loans and leases | $246.1M |
| Loans held for sale | $573K |
| Loans to total assets | 49.33% |
| Loan-to-deposit ratio | 55.41% |
| Net loans to equity capital | 4.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.71% |
| Multifamily (5+ residential) | 4.80% |
| Commercial and industrial | 11.93% |
| Consumer | 0.67% |
| Credit cards | 0.00% |
| Farm | 9.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.61% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 157.81% |
| Construction concentration (Tier 1 capital + allowance) | 47.86% |
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 | $4.1M |
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 | $230.3M | $313.3M | 23.30% | 10.91% | 0.82% |
| Q4 2023 | $236.5M | $306.0M | 23.15% | 10.18% | 0.81% |
| Q1 2024 | $233.4M | $294.5M | 23.45% | 10.24% | 0.75% |
| Q2 2024 | $237.3M | $309.1M | 22.51% | 9.51% | 0.72% |
| Q3 2024 | $239.5M | $351.7M | 21.95% | 9.99% | 0.99% |
| Q4 2024 | $246.9M | $300.1M | 21.03% | 10.02% | 0.94% |
| Q1 2025 | $252.1M | $310.6M | 20.13% | 10.90% | 1.00% |
| Q2 2025 | $258.2M | $419.9M | 19.78% | 10.41% | 0.81% |
| Q3 2025 | $269.4M | $360.6M | 19.56% | 11.57% | 0.70% |
| Q4 2025 | $264.6M | $318.2M | 19.40% | 11.42% | 0.68% |
| Q1 2026 | $252.6M | $319.7M | 21.08% | 11.44% | 0.69% |
| Q2 2026 | $249.0M | $449.3M | 20.71% | 11.93% | 0.67% |
Grundy Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Grundy 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 Grundy Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3713) · FFIEC NIC profile (RSSD 715144)