Legence 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 4.08 percentage points in Q2 2026, from 136.22% to 132.15%. It was the largest change from Q1 2026 among the key lines here. Legence Bank ranks 208th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 69.77% (Q2 2026). Legence Bank reported 69.77% on loan-to-deposit ratio for Q2 2026, 10.79 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $400.2M |
| Net loans and leases | $395.7M |
| Loans held for sale | $110K |
| Loans to total assets | 62.24% |
| Loan-to-deposit ratio | 69.77% |
| Net loans to equity capital | 6.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.28% |
| Multifamily (5+ residential) | 2.58% |
| Commercial and industrial | 19.61% |
| Consumer | 8.34% |
| Credit cards | 0.00% |
| Farm | 28.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.45% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 132.15% |
| Construction concentration (Tier 1 capital + allowance) | 8.24% |
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 | 7.45% |
| Interest income on loans | $7.6M |
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 | $411.8M | $577.4M | 25.35% | 24.61% | 4.59% |
| Q4 2023 | $418.5M | $587.5M | 24.23% | 24.32% | 4.48% |
| Q1 2024 | $431.7M | $575.2M | 24.29% | 25.43% | 4.17% |
| Q2 2024 | $433.5M | $566.3M | 25.50% | 23.58% | 3.95% |
| Q3 2024 | $432.5M | $560.5M | 22.16% | 22.73% | 6.67% |
| Q4 2024 | $436.9M | $586.2M | 21.86% | 22.45% | 6.34% |
| Q1 2025 | $428.2M | $601.9M | 21.96% | 21.29% | 7.33% |
| Q2 2025 | $426.2M | $586.7M | 23.22% | 20.95% | 6.80% |
| Q3 2025 | $411.9M | $579.7M | 23.07% | 20.19% | 7.06% |
| Q4 2025 | $427.0M | $570.8M | 22.68% | 19.13% | 9.03% |
| Q1 2026 | $413.2M | $581.2M | 22.79% | 19.52% | 8.73% |
| Q2 2026 | $400.2M | $573.6M | 22.28% | 19.61% | 8.34% |
Legence Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Legence 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 Legence Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10886) · FFIEC NIC profile (RSSD 635840)