The Litchfield National 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.
Loans to total assets climbed 2.77 percentage points in Q2 2026, from 58.21% to 60.97%. It was the largest change from Q1 2026 among the key lines here. The Litchfield National Bank ranks 210th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 68.59% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Litchfield National Bank sits 12.25 points lower, at 68.59% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $82.7M |
| Net loans and leases | $81.8M |
| Loans held for sale | $0 |
| Loans to total assets | 60.97% |
| Loan-to-deposit ratio | 68.59% |
| Net loans to equity capital | 7.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.04% |
| Multifamily (5+ residential) | 1.82% |
| Commercial and industrial | 3.24% |
| Consumer | 7.30% |
| Credit cards | 0.00% |
| Farm | 19.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.68% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 41.94% |
| Construction concentration (Tier 1 capital + allowance) | 10.19% |
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 | 5.96% |
| Interest income on loans | $1.2M |
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 | $79.4M | $113.6M | 15.14% | 2.59% | 7.93% |
| Q4 2023 | $79.2M | $114.8M | 14.75% | 2.51% | 7.68% |
| Q1 2024 | $77.4M | $119.2M | 15.19% | 2.71% | 7.30% |
| Q2 2024 | $75.9M | $113.8M | 14.80% | 2.59% | 7.24% |
| Q3 2024 | $79.8M | $112.4M | 13.71% | 2.47% | 8.06% |
| Q4 2024 | $80.5M | $116.0M | 13.91% | 2.61% | 7.80% |
| Q1 2025 | $81.1M | $115.0M | 14.62% | 3.31% | 7.39% |
| Q2 2025 | $82.8M | $119.1M | 14.46% | 3.23% | 8.33% |
| Q3 2025 | $83.3M | $119.1M | 14.14% | 3.03% | 7.65% |
| Q4 2025 | $83.8M | $121.6M | 13.60% | 3.79% | 7.87% |
| Q1 2026 | $83.2M | $123.9M | 13.47% | 3.73% | 7.66% |
| Q2 2026 | $82.7M | $120.6M | 13.04% | 3.24% | 7.30% |
The Litchfield National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Litchfield National 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 Litchfield National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3808) · FFIEC NIC profile (RSSD 372444)