Ipava 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 CRE concentration (Tier 1 capital + allowance): 14.72 percentage points lower than in Q1 2026, at 132.55%. Ipava State Bank ranks 198th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 71.17% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Ipava State Bank sits 9.38 points lower, at 71.17% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $138.3M |
| Net loans and leases | $136.8M |
| Loans held for sale | $0 |
| Loans to total assets | 62.33% |
| Loan-to-deposit ratio | 71.17% |
| Net loans to equity capital | 6.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.33% |
| Multifamily (5+ residential) | 3.00% |
| Commercial and industrial | 7.36% |
| Consumer | 3.86% |
| Credit cards | 0.00% |
| Farm | 21.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.40% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 132.55% |
| Construction concentration (Tier 1 capital + allowance) | 26.54% |
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 | 6.46% |
| Interest income on loans | $2.2M |
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 | $139.7M | $192.3M | 19.25% | 8.88% | 4.36% |
| Q4 2023 | $141.3M | $195.9M | 19.47% | 9.18% | 4.40% |
| Q1 2024 | $140.2M | $195.3M | 20.73% | 8.72% | 4.28% |
| Q2 2024 | $140.6M | $183.2M | 21.50% | 8.62% | 4.17% |
| Q3 2024 | $141.9M | $184.3M | 21.05% | 8.80% | 4.11% |
| Q4 2024 | $142.1M | $185.0M | 20.94% | 8.70% | 3.93% |
| Q1 2025 | $139.5M | $180.4M | 21.30% | 9.11% | 3.95% |
| Q2 2025 | $138.3M | $178.6M | 22.95% | 8.65% | 3.97% |
| Q3 2025 | $140.9M | $176.5M | 22.40% | 9.27% | 3.88% |
| Q4 2025 | $145.4M | $176.5M | 22.02% | 9.08% | 3.74% |
| Q1 2026 | $137.1M | $183.0M | 23.05% | 8.71% | 3.79% |
| Q2 2026 | $138.3M | $194.3M | 20.33% | 7.36% | 3.86% |
Ipava State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ipava 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 Ipava State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10473) · FFIEC NIC profile (RSSD 760434)