Lisle 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 3.46 percentage points in Q2 2026, from 74.57% to 78.03%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Lisle Savings Bank is 146th of 323 on loan-to-deposit ratio, 78.03% as of Q2 2026, above the middle of the field. Lisle Savings Bank reported 78.03% on loan-to-deposit ratio for Q2 2026, 2.81 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $299.1M |
| Net loans and leases | $296.2M |
| Loans held for sale | $0 |
| Loans to total assets | 54.93% |
| Loan-to-deposit ratio | 78.03% |
| Net loans to equity capital | 2.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.77% |
| Multifamily (5+ residential) | 0.31% |
| Commercial and industrial | 0.06% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 5.96% |
| Construction concentration (Tier 1 capital + allowance) | 0.14% |
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 | — |
| Interest income on loans | $4.9M |
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 | $278.9M | $390.7M | 4.32% | 0.07% | 0.00% |
| Q4 2023 | $277.8M | $390.1M | 4.24% | 0.07% | 0.00% |
| Q1 2024 | $276.4M | $388.9M | 4.26% | 0.07% | 0.00% |
| Q2 2024 | $280.2M | $380.4M | 3.96% | 0.07% | 0.00% |
| Q3 2024 | $278.2M | $375.9M | 3.91% | 0.07% | 0.00% |
| Q4 2024 | $280.6M | $384.6M | 3.81% | 0.06% | 0.00% |
| Q1 2025 | $279.4M | $390.9M | 3.71% | 0.06% | 0.00% |
| Q2 2025 | $284.4M | $384.5M | 3.57% | 0.06% | 0.00% |
| Q3 2025 | $283.1M | $380.2M | 3.52% | 0.06% | 0.00% |
| Q4 2025 | $288.2M | $386.1M | 3.33% | 0.06% | 0.00% |
| Q1 2026 | $292.9M | $392.8M | 3.30% | 0.06% | 0.00% |
| Q2 2026 | $299.1M | $383.3M | 2.77% | 0.06% | 0.00% |
Lisle Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lisle 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 Lisle Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29800) · FFIEC NIC profile (RSSD 133971)