Morton Community 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 held for sale climbed 101.1% in Q2 2026, from $1.0M to $2.0M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Morton Community Bank is 167th of 323 on loan-to-deposit ratio, 74.98% as of Q2 2026, below the middle of the field. Morton Community Bank reported 74.98% on loan-to-deposit ratio for Q2 2026, 13.22 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.54B |
| Net loans and leases | $3.50B |
| Loans held for sale | $2.0M |
| Loans to total assets | 66.18% |
| Loan-to-deposit ratio | 74.98% |
| Net loans to equity capital | 6.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.53% |
| Multifamily (5+ residential) | 17.17% |
| Commercial and industrial | 15.41% |
| Consumer | 2.41% |
| Credit cards | 0.08% |
| Farm | 5.93% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.62% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 247.75% |
| Construction concentration (Tier 1 capital + allowance) | 30.40% |
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 | 6.09% |
| Interest income on loans | $53.3M |
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 | $3.45B | $4.70B | 30.82% | 13.73% | 2.91% |
| Q4 2023 | $3.58B | $4.57B | 30.23% | 14.72% | 2.67% |
| Q1 2024 | $3.59B | $4.61B | 30.57% | 14.18% | 2.36% |
| Q2 2024 | $3.56B | $4.62B | 30.66% | 14.59% | 2.24% |
| Q3 2024 | $3.54B | $4.65B | 30.73% | 14.27% | 2.13% |
| Q4 2024 | $3.60B | $4.50B | 30.49% | 15.63% | 2.15% |
| Q1 2025 | $3.53B | $4.50B | 31.91% | 14.80% | 2.13% |
| Q2 2025 | $3.57B | $4.62B | 31.45% | 15.30% | 2.12% |
| Q3 2025 | $3.56B | $4.61B | 31.89% | 15.53% | 2.11% |
| Q4 2025 | $3.57B | $4.68B | 32.01% | 15.70% | 2.42% |
| Q1 2026 | $3.49B | $4.56B | 31.59% | 15.87% | 2.42% |
| Q2 2026 | $3.54B | $4.72B | 31.53% | 15.41% | 2.41% |
Morton Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Morton Community 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 Morton Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18429) · FFIEC NIC profile (RSSD 825146)