Marseilles 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.
Commercial real estate (nonfarm nonresidential) climbed 1.97 percentage points in Q2 2026, from 10.65% to 12.62%. It was the largest change from Q1 2026 among the key lines here. Marseilles Bank ranks 270th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 52.84% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Marseilles Bank sits 14.78 points lower, at 52.84% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $36.0M |
| Net loans and leases | $35.6M |
| Loans held for sale | $0 |
| Loans to total assets | 46.40% |
| Loan-to-deposit ratio | 52.84% |
| Net loans to equity capital | 8.41% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.62% |
| Multifamily (5+ residential) | 0.79% |
| Commercial and industrial | 1.61% |
| Consumer | 14.87% |
| Credit cards | 0.00% |
| Farm | 0.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 25.26% |
| Construction concentration (Tier 1 capital + allowance) | 10.40% |
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 | 6.21% |
| Interest income on loans | $560K |
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 | $27.6M | $62.7M | 10.78% | 1.71% | 18.66% |
| Q4 2023 | $30.0M | $61.2M | 10.15% | 1.84% | 17.98% |
| Q1 2024 | $30.4M | $61.3M | 9.84% | 2.06% | 18.15% |
| Q2 2024 | $32.1M | $61.8M | 9.31% | 1.75% | 18.03% |
| Q3 2024 | $33.3M | $64.0M | 9.28% | 1.72% | 18.15% |
| Q4 2024 | $33.2M | $64.2M | 9.22% | 1.68% | 18.20% |
| Q1 2025 | $33.3M | $64.3M | 9.13% | 1.60% | 17.61% |
| Q2 2025 | $33.8M | $64.8M | 8.93% | 1.38% | 16.91% |
| Q3 2025 | $34.9M | $66.2M | 8.70% | 1.26% | 16.68% |
| Q4 2025 | $36.8M | $66.5M | 10.67% | 1.79% | 15.94% |
| Q1 2026 | $36.7M | $69.2M | 10.65% | 1.67% | 15.41% |
| Q2 2026 | $36.0M | $68.1M | 12.62% | 1.61% | 14.87% |
Marseilles Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Marseilles 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 Marseilles Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16318) · FFIEC NIC profile (RSSD 104542)