Libertyville Savings 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.
Loan-to-deposit ratio climbed 3.43 percentage points in Q2 2026, from 72.69% to 76.13%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Libertyville Savings Bank is 140th of 225 on loan-to-deposit ratio, 76.13% as of Q2 2026, below the middle of the field. Libertyville Savings Bank reported 76.13% on loan-to-deposit ratio for Q2 2026, 4.71 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $227.7M |
| Net loans and leases | $225.1M |
| Loans held for sale | $0 |
| Loans to total assets | 59.26% |
| Loan-to-deposit ratio | 76.13% |
| Net loans to equity capital | 5.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.70% |
| Multifamily (5+ residential) | 0.84% |
| Commercial and industrial | 18.42% |
| Consumer | 1.42% |
| Credit cards | 0.00% |
| Farm | 28.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.33% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 36.90% |
| Construction concentration (Tier 1 capital + allowance) | 5.02% |
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 | 6.45% |
| Interest income on loans | $3.6M |
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 | $254.2M | $319.3M | 13.32% | 17.82% | 1.68% |
| Q4 2023 | $259.2M | $317.7M | 12.65% | 17.67% | 1.79% |
| Q1 2024 | $249.6M | $312.1M | 12.35% | 16.67% | 1.78% |
| Q2 2024 | $249.1M | $308.3M | 11.82% | 18.22% | 1.81% |
| Q3 2024 | $251.4M | $304.7M | 11.17% | 17.43% | 1.62% |
| Q4 2024 | $244.8M | $319.2M | 11.91% | 15.22% | 1.56% |
| Q1 2025 | $244.9M | $315.1M | 11.69% | 14.57% | 1.44% |
| Q2 2025 | $243.5M | $310.8M | 9.24% | 19.20% | 1.60% |
| Q3 2025 | $236.9M | $305.6M | 9.28% | 18.20% | 1.77% |
| Q4 2025 | $233.9M | $305.9M | 8.57% | 18.76% | 1.61% |
| Q1 2026 | $227.5M | $312.9M | 8.53% | 18.83% | 1.46% |
| Q2 2026 | $227.7M | $299.1M | 9.70% | 18.42% | 1.42% |
Libertyville Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Libertyville Savings 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 Libertyville Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13712) · FFIEC NIC profile (RSSD 857745)