Holcomb 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.
CRE concentration (Tier 1 capital + allowance) dropped 18.57 percentage points in Q2 2026, from 350.70% to 332.13%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Holcomb Bank ranks 29th highest among the 323 banks headquartered in Illinois, at 96.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Holcomb Bank sits 16.16 points higher, at 96.71% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $231.5M |
| Net loans and leases | $228.5M |
| Loans held for sale | $750K |
| Loans to total assets | 75.94% |
| Loan-to-deposit ratio | 96.71% |
| Net loans to equity capital | 10.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.21% |
| Multifamily (5+ residential) | 13.04% |
| Commercial and industrial | 7.79% |
| Consumer | 1.38% |
| Credit cards | 0.00% |
| Farm | 6.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.22% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 332.13% |
| Construction concentration (Tier 1 capital + allowance) | 28.31% |
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 | 6.36% |
| Interest income on loans | $3.7M |
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 | $217.8M | $242.4M | 33.68% | 8.58% | 1.31% |
| Q4 2023 | $213.4M | $247.0M | 33.72% | 8.39% | 1.27% |
| Q1 2024 | $213.3M | $248.7M | 33.46% | 8.46% | 1.62% |
| Q2 2024 | $213.7M | $236.5M | 32.06% | 9.09% | 1.55% |
| Q3 2024 | $215.2M | $231.5M | 29.58% | 8.81% | 1.97% |
| Q4 2024 | $215.9M | $238.4M | 30.41% | 8.35% | 1.87% |
| Q1 2025 | $219.1M | $243.4M | 30.10% | 8.52% | 1.84% |
| Q2 2025 | $220.3M | $244.2M | 30.66% | 9.10% | 1.63% |
| Q3 2025 | $226.1M | $238.8M | 30.75% | 8.83% | 1.59% |
| Q4 2025 | $231.5M | $238.1M | 31.28% | 8.04% | 1.49% |
| Q1 2026 | $232.5M | $243.4M | 32.22% | 7.58% | 1.43% |
| Q2 2026 | $231.5M | $239.4M | 32.21% | 7.79% | 1.38% |
Holcomb Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Holcomb 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 Holcomb Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9080) · FFIEC NIC profile (RSSD 568135)