Milledgeville State 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.
Cre concentration (tier 1 capital + allowance) climbed 2.38 percentage points in Q2 2026, from 63.72% to 66.10%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Milledgeville State Bank is 113th of 323 on loan-to-deposit ratio, 82.06% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; Milledgeville State Bank reported 82.06% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $140.0M |
| Net loans and leases | $138.2M |
| Loans held for sale | $0 |
| Loans to total assets | 65.08% |
| Loan-to-deposit ratio | 82.06% |
| Net loans to equity capital | 6.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.46% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 25.80% |
| Consumer | 0.98% |
| Credit cards | 0.00% |
| Farm | 25.89% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 66.10% |
| Construction concentration (Tier 1 capital + allowance) | 0.13% |
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 | 6.78% |
| Interest income on loans | $2.4M |
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 | $110.2M | $131.7M | 13.06% | 26.88% | 1.10% |
| Q4 2023 | $112.4M | $133.5M | 12.45% | 24.85% | 1.16% |
| Q1 2024 | $110.0M | $134.5M | 12.68% | 25.44% | 1.06% |
| Q2 2024 | $110.2M | $136.5M | 12.68% | 25.05% | 1.13% |
| Q3 2024 | $110.8M | $142.3M | 13.89% | 23.26% | 0.98% |
| Q4 2024 | $117.2M | $150.1M | 13.73% | 21.35% | 0.93% |
| Q1 2025 | $113.4M | $148.5M | 13.70% | 23.23% | 1.00% |
| Q2 2025 | $120.7M | $154.3M | 11.90% | 24.71% | 0.91% |
| Q3 2025 | $128.1M | $160.1M | 10.78% | 23.82% | 0.94% |
| Q4 2025 | $136.1M | $163.8M | 11.34% | 24.43% | 0.86% |
| Q1 2026 | $138.8M | $169.3M | 10.83% | 25.39% | 0.83% |
| Q2 2026 | $140.0M | $170.6M | 11.46% | 25.80% | 0.98% |
Milledgeville State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Milledgeville State 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 Milledgeville State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15873) · FFIEC NIC profile (RSSD 895448)