Midwest 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.72 percentage points higher than in Q1 2026, at 89.14%. Within Illinois, Midwest National Bank is 65th of 323 on loan-to-deposit ratio, 89.14% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Midwest National Bank sits 8.30 points higher, at 89.14% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $96.7M |
| Net loans and leases | $95.6M |
| Loans held for sale | $328K |
| Loans to total assets | 78.88% |
| Loan-to-deposit ratio | 89.14% |
| Net loans to equity capital | 10.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.58% |
| Multifamily (5+ residential) | 2.01% |
| Commercial and industrial | 7.19% |
| Consumer | 8.44% |
| Credit cards | 0.00% |
| Farm | 5.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.27% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 65.24% |
| Construction concentration (Tier 1 capital + allowance) | 19.96% |
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 | 7.16% |
| Interest income on loans | $1.7M |
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 | $69.6M | $74.4M | 15.81% | 7.30% | 11.33% |
| Q4 2023 | $69.3M | $77.1M | 14.95% | 7.59% | 11.08% |
| Q1 2024 | $71.0M | $79.1M | 15.72% | 9.41% | 8.91% |
| Q2 2024 | $74.4M | $80.7M | 18.44% | 9.37% | 9.07% |
| Q3 2024 | $77.9M | $86.1M | 18.40% | 7.15% | 11.28% |
| Q4 2024 | $84.4M | $90.3M | 19.33% | 8.35% | 10.20% |
| Q1 2025 | $87.5M | $95.8M | 19.37% | 8.51% | 9.58% |
| Q2 2025 | $93.9M | $100.8M | 19.89% | 8.55% | 8.93% |
| Q3 2025 | $95.3M | $104.7M | 20.53% | 7.33% | 8.79% |
| Q4 2025 | $94.4M | $108.4M | 20.60% | 6.86% | 9.05% |
| Q1 2026 | $93.7M | $108.5M | 20.47% | 7.37% | 8.88% |
| Q2 2026 | $96.7M | $108.5M | 19.58% | 7.19% | 8.44% |
Midwest National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Midwest 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 Midwest National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3834) · FFIEC NIC profile (RSSD 122546)