Illini 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 Construction concentration (Tier 1 capital + allowance): 3.79 percentage points higher than in Q1 2026, at 18.21%. Within Illinois, Illini State Bank is 89th of 323 on loan-to-deposit ratio, 86.50% as of Q2 2026, above the middle of the field. Illini State Bank reported 86.50% on loan-to-deposit ratio for Q2 2026, 5.66 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $107.7M |
| Net loans and leases | $106.4M |
| Loans held for sale | $0 |
| Loans to total assets | 62.65% |
| Loan-to-deposit ratio | 86.50% |
| Net loans to equity capital | 4.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.13% |
| Consumer | 0.85% |
| Credit cards | 0.00% |
| Farm | 19.88% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.16% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 170.39% |
| Construction concentration (Tier 1 capital + allowance) | 18.21% |
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 | 6.25% |
| Interest income on loans | $1.7M |
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 | $101.1M | $125.2M | 32.80% | 5.59% | 0.85% |
| Q4 2023 | $106.4M | $129.0M | 30.93% | 6.94% | 0.86% |
| Q1 2024 | $106.4M | $126.4M | 35.14% | 5.46% | 0.84% |
| Q2 2024 | $110.4M | $123.4M | 37.21% | 5.18% | 0.82% |
| Q3 2024 | $111.2M | $123.3M | 36.95% | 5.58% | 0.83% |
| Q4 2024 | $108.5M | $124.9M | 34.62% | 7.08% | 0.79% |
| Q1 2025 | $108.6M | $126.6M | 34.33% | 6.76% | 0.84% |
| Q2 2025 | $106.5M | $127.5M | 33.11% | 5.25% | 0.89% |
| Q3 2025 | $107.7M | $125.7M | 32.37% | 5.08% | 0.93% |
| Q4 2025 | $108.3M | $123.5M | 35.00% | 5.38% | 0.93% |
| Q1 2026 | $106.8M | $123.8M | 36.68% | 5.25% | 0.89% |
| Q2 2026 | $107.7M | $124.5M | 36.00% | 5.13% | 0.85% |
Illini State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Illini 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 Illini State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10788) · FFIEC NIC profile (RSSD 180845)