The Havana 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.
Loan-to-deposit ratio climbed 6.14 percentage points in Q2 2026, from 92.98% to 99.12%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The Havana National Bank ranks 21st highest among the 323 banks headquartered in Illinois, at 99.12% (Q2 2026). The Havana National Bank reported 99.12% on loan-to-deposit ratio for Q2 2026, 18.29 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $232.2M |
| Net loans and leases | $229.8M |
| Loans held for sale | $0 |
| Loans to total assets | 69.76% |
| Loan-to-deposit ratio | 99.12% |
| Net loans to equity capital | 6.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.11% |
| Multifamily (5+ residential) | 0.21% |
| Commercial and industrial | 7.68% |
| Consumer | 1.52% |
| Credit cards | 0.00% |
| Farm | 46.94% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.68% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 10.82% |
| Construction concentration (Tier 1 capital + allowance) | 3.85% |
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 | 6.35% |
| Interest income on loans | $3.6M |
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 | $207.1M | $227.4M | 3.58% | 8.70% | 1.97% |
| Q4 2023 | $203.7M | $228.5M | 3.60% | 8.65% | 2.00% |
| Q1 2024 | $201.4M | $227.9M | 4.16% | 8.68% | 2.02% |
| Q2 2024 | $205.0M | $237.4M | 4.01% | 8.64% | 2.15% |
| Q3 2024 | $206.3M | $212.8M | 3.95% | 8.30% | 2.11% |
| Q4 2024 | $201.8M | $218.5M | 4.37% | 8.42% | 2.06% |
| Q1 2025 | $206.4M | $231.4M | 4.24% | 8.22% | 1.95% |
| Q2 2025 | $226.0M | $236.5M | 3.93% | 7.52% | 1.72% |
| Q3 2025 | $229.7M | $232.0M | 3.69% | 8.10% | 1.71% |
| Q4 2025 | $228.1M | $227.1M | 3.65% | 7.76% | 1.61% |
| Q1 2026 | $223.8M | $240.7M | 3.60% | 8.23% | 1.57% |
| Q2 2026 | $232.2M | $234.2M | 3.11% | 7.68% | 1.52% |
The Havana National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Havana 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 Havana National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3677) · FFIEC NIC profile (RSSD 940731)