Midwest 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 dropped 5.55 percentage points in Q2 2026, from 81.33% to 75.78%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Midwest Bank is 157th of 323 on loan-to-deposit ratio, 75.78% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Midwest Bank sits 4.77 points lower, at 75.78% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $438.1M |
| Net loans and leases | $432.7M |
| Loans held for sale | $223K |
| Loans to total assets | 59.49% |
| Loan-to-deposit ratio | 75.78% |
| Net loans to equity capital | 7.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.79% |
| Multifamily (5+ residential) | 5.69% |
| Commercial and industrial | 11.27% |
| Consumer | 2.85% |
| Credit cards | 0.30% |
| Farm | 20.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.72% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 182.88% |
| Construction concentration (Tier 1 capital + allowance) | 22.26% |
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 | 6.32% |
| Interest income on loans | $6.8M |
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 | $374.4M | $513.4M | 21.19% | 12.50% | 3.97% |
| Q4 2023 | $385.1M | $529.8M | 20.54% | 13.59% | 3.87% |
| Q1 2024 | $389.3M | $519.1M | 21.24% | 12.20% | 3.89% |
| Q2 2024 | $398.0M | $532.3M | 21.04% | 12.86% | 3.98% |
| Q3 2024 | $388.6M | $533.6M | 20.85% | 10.81% | 4.14% |
| Q4 2024 | $404.4M | $539.1M | 21.10% | 11.57% | 3.85% |
| Q1 2025 | $409.2M | $552.3M | 21.08% | 12.01% | 3.68% |
| Q2 2025 | $414.7M | $550.9M | 22.31% | 11.42% | 3.48% |
| Q3 2025 | $419.4M | $549.1M | 21.43% | 10.49% | 3.41% |
| Q4 2025 | $427.0M | $535.2M | 20.76% | 10.97% | 3.39% |
| Q1 2026 | $438.1M | $538.6M | 20.17% | 12.08% | 2.88% |
| Q2 2026 | $438.1M | $578.1M | 20.79% | 11.27% | 2.85% |
Midwest Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest 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 Midwest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3711) · FFIEC NIC profile (RSSD 709143)