Hartsburg 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.75 percentage points lower than in Q1 2026, at 33.81%. Hartsburg State Bank has the 10th lowest loan-to-deposit ratio of the 323 banks headquartered in Illinois, at 33.81% as of Q2 2026. Hartsburg State Bank reported 33.81% on loan-to-deposit ratio for Q2 2026, 33.81 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.6M |
| Net loans and leases | $5.4M |
| Loans held for sale | $0 |
| Loans to total assets | 30.82% |
| Loan-to-deposit ratio | 33.81% |
| Net loans to equity capital | 3.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 16.62% |
| Consumer | 3.44% |
| Credit cards | 0.00% |
| Farm | 23.13% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.86% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | $83K |
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 | $6.5M | $15.7M | 0.00% | 22.00% | 1.61% |
| Q4 2023 | $6.3M | $19.4M | 0.00% | 15.35% | 1.41% |
| Q1 2024 | $6.1M | $15.2M | 0.00% | 16.57% | 3.06% |
| Q2 2024 | $6.5M | $15.3M | 0.00% | 17.07% | 3.19% |
| Q3 2024 | $6.4M | $16.6M | 0.00% | 21.59% | 2.97% |
| Q4 2024 | $6.6M | $17.0M | 0.00% | 17.69% | 2.59% |
| Q1 2025 | $6.3M | $13.3M | 0.00% | 17.86% | 2.30% |
| Q2 2025 | $6.2M | $15.0M | 0.00% | 15.08% | 2.19% |
| Q3 2025 | $6.2M | $14.9M | 0.00% | 15.97% | 2.40% |
| Q4 2025 | $6.2M | $17.3M | 0.00% | 16.96% | 1.80% |
| Q1 2026 | $5.9M | $15.6M | 0.00% | 17.54% | 1.52% |
| Q2 2026 | $5.6M | $16.5M | 0.00% | 16.62% | 3.44% |
Hartsburg State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hartsburg 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 Hartsburg State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11716) · FFIEC NIC profile (RSSD 799939)