Hickory Point Bank and Trust: 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 CRE concentration (Tier 1 capital + allowance): 8.25 percentage points lower than in Q1 2026, at 261.80%. Within Illinois, Hickory Point Bank and Trust is 206th of 323 on loan-to-deposit ratio, 69.89% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Hickory Point Bank and Trust sits 10.95 points lower, at 69.89% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $438.0M |
| Net loans and leases | $432.6M |
| Loans held for sale | $1.5M |
| Loans to total assets | 61.05% |
| Loan-to-deposit ratio | 69.89% |
| Net loans to equity capital | 5.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.36% |
| Multifamily (5+ residential) | 29.36% |
| Commercial and industrial | 4.04% |
| Consumer | 0.14% |
| Credit cards | 0.00% |
| Farm | 2.45% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 261.80% |
| Construction concentration (Tier 1 capital + allowance) | 18.42% |
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 | 5.98% |
| Interest income on loans | $6.6M |
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 | $466.1M | $646.4M | 38.28% | 10.68% | 0.13% |
| Q4 2023 | $475.0M | $701.0M | 35.55% | 9.87% | 0.11% |
| Q1 2024 | $490.0M | $683.4M | 36.62% | 5.64% | 0.10% |
| Q2 2024 | $479.3M | $730.7M | 38.37% | 6.08% | 0.10% |
| Q3 2024 | $467.7M | $714.1M | 36.71% | 6.41% | 0.10% |
| Q4 2024 | $474.2M | $658.1M | 40.51% | 5.46% | 0.10% |
| Q1 2025 | $472.4M | $664.7M | 38.53% | 4.97% | 0.11% |
| Q2 2025 | $471.2M | $651.1M | 39.13% | 5.91% | 0.10% |
| Q3 2025 | $460.6M | $638.2M | 41.75% | 4.63% | 0.10% |
| Q4 2025 | $441.1M | $628.0M | 40.19% | 5.02% | 0.09% |
| Q1 2026 | $434.4M | $650.8M | 41.53% | 5.34% | 0.17% |
| Q2 2026 | $438.0M | $626.8M | 42.36% | 4.04% | 0.14% |
Hickory Point Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hickory Point Bank and Trust, 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 Hickory Point Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22874) · FFIEC NIC profile (RSSD 550635)