Hinsdale Bank & Trust Company, N.A.: 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 Construction concentration (Tier 1 capital + allowance): 11.13 percentage points higher than in Q1 2026, at 41.15%. Hinsdale Bank & Trust Company, N.A. ranks 59th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 90.00% (Q2 2026). At 90.00%, Hinsdale Bank & Trust Company, N.A.'s loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.02B |
| Net loans and leases | $4.98B |
| Loans held for sale | $0 |
| Loans to total assets | 73.77% |
| Loan-to-deposit ratio | 90.00% |
| Net loans to equity capital | 7.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.64% |
| Multifamily (5+ residential) | 5.58% |
| Commercial and industrial | 39.18% |
| Consumer | 9.05% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 173.21% |
| Construction concentration (Tier 1 capital + allowance) | 41.15% |
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 | 6.01% |
| Interest income on loans | $70.8M |
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 | $3.48B | $4.00B | 15.15% | 41.38% | 13.73% |
| Q4 2023 | $3.57B | $4.09B | 15.32% | 41.40% | 13.18% |
| Q1 2024 | $3.67B | $4.26B | 14.41% | 40.47% | 12.91% |
| Q2 2024 | $3.92B | $4.28B | 13.94% | 40.62% | 12.44% |
| Q3 2024 | $4.04B | $4.37B | 13.99% | 39.16% | 12.21% |
| Q4 2024 | $4.07B | $4.36B | 14.25% | 37.72% | 11.46% |
| Q1 2025 | $4.26B | $4.62B | 13.83% | 37.29% | 11.32% |
| Q2 2025 | $4.32B | $4.65B | 13.71% | 41.42% | 10.59% |
| Q3 2025 | $4.37B | $4.79B | 13.60% | 38.80% | 9.92% |
| Q4 2025 | $4.54B | $4.88B | 14.25% | 39.22% | 9.23% |
| Q1 2026 | $4.73B | $5.30B | 15.06% | 38.05% | 8.84% |
| Q2 2026 | $5.02B | $5.57B | 14.64% | 39.18% | 9.05% |
Hinsdale Bank & Trust Company, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hinsdale Bank & Trust Company, N.A., 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 Hinsdale Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33849) · FFIEC NIC profile (RSSD 2119773)