The Iuka 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 Loan-to-deposit ratio: 3.04 percentage points lower than in Q1 2026, at 97.02%. Among 323 Illinois banks, The Iuka State Bank sits 28th from the top on loan-to-deposit ratio, 97.02% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Iuka State Bank sits 16.18 points higher, at 97.02% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $109.2M |
| Net loans and leases | $105.9M |
| Loans held for sale | $0 |
| Loans to total assets | 82.11% |
| Loan-to-deposit ratio | 97.02% |
| Net loans to equity capital | 8.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.79% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 42.46% |
| Consumer | 10.55% |
| Credit cards | 0.00% |
| Farm | 9.84% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 28.01% |
| Construction concentration (Tier 1 capital + allowance) | 10.74% |
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 | 7.59% |
| 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 | $116.8M | $112.3M | 19.99% | 27.22% | 15.24% |
| Q4 2023 | $119.9M | $110.3M | 21.29% | 27.23% | 15.10% |
| Q1 2024 | $117.0M | $111.4M | 20.09% | 27.69% | 15.22% |
| Q2 2024 | $121.3M | $104.1M | 19.15% | 29.72% | 14.94% |
| Q3 2024 | $119.2M | $103.9M | 17.80% | 30.81% | 14.89% |
| Q4 2024 | $115.3M | $97.6M | 18.09% | 32.10% | 15.29% |
| Q1 2025 | $114.0M | $97.0M | 18.75% | 32.37% | 14.63% |
| Q2 2025 | $115.5M | $103.9M | 18.34% | 34.28% | 13.64% |
| Q3 2025 | $120.9M | $101.6M | 18.83% | 38.10% | 12.16% |
| Q4 2025 | $118.1M | $102.4M | 17.30% | 40.09% | 11.57% |
| Q1 2026 | $115.8M | $115.8M | 18.27% | 40.16% | 10.74% |
| Q2 2026 | $109.2M | $112.6M | 17.79% | 42.46% | 10.55% |
The Iuka State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Iuka 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 The Iuka State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11317) · FFIEC NIC profile (RSSD 233442)