Lasalle 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): 2.04 percentage points lower than in Q1 2026, at 173.01%. Lasalle State Bank ranks 260th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 55.01% (Q2 2026). Lasalle State Bank reported 55.01% on loan-to-deposit ratio for Q2 2026, 25.83 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $85.7M |
| Net loans and leases | $84.6M |
| Loans held for sale | $0 |
| Loans to total assets | 46.79% |
| Loan-to-deposit ratio | 55.01% |
| Net loans to equity capital | 7.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.94% |
| Multifamily (5+ residential) | 4.16% |
| Commercial and industrial | 11.11% |
| Consumer | 2.98% |
| Credit cards | 0.04% |
| Farm | 5.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.57% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 173.01% |
| Construction concentration (Tier 1 capital + allowance) | 7.36% |
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 | 6.24% |
| Interest income on loans | $1.3M |
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 | $81.0M | $125.5M | 39.99% | 9.99% | 3.05% |
| Q4 2023 | $75.2M | $137.9M | 40.31% | 12.23% | 3.34% |
| Q1 2024 | $75.8M | $141.7M | 40.13% | 10.66% | 3.24% |
| Q2 2024 | $76.4M | $148.6M | 42.10% | 10.24% | 3.13% |
| Q3 2024 | $80.5M | $149.6M | 42.83% | 9.09% | 2.82% |
| Q4 2024 | $84.5M | $151.9M | 43.33% | 10.44% | 2.61% |
| Q1 2025 | $88.3M | $156.2M | 47.13% | 9.69% | 2.57% |
| Q2 2025 | $88.6M | $157.0M | 47.74% | 9.49% | 2.49% |
| Q3 2025 | $87.2M | $155.7M | 48.05% | 9.75% | 3.00% |
| Q4 2025 | $88.2M | $151.6M | 49.51% | 9.87% | 2.93% |
| Q1 2026 | $85.4M | $154.1M | 49.30% | 10.22% | 2.96% |
| Q2 2026 | $85.7M | $155.9M | 48.94% | 11.11% | 2.98% |
Lasalle State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lasalle 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 Lasalle State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12410) · FFIEC NIC profile (RSSD 956134)