Municipal Trust and Savings 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 CRE concentration (Tier 1 capital + allowance): 9.48 percentage points lower than in Q1 2026, at 162.82%. Municipal Trust and Savings Bank ranks 94th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 85.32% (Q2 2026). Municipal Trust and Savings Bank reported 85.32% on loan-to-deposit ratio for Q2 2026, 4.49 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $260.9M |
| Net loans and leases | $257.8M |
| Loans held for sale | $341K |
| Loans to total assets | 68.25% |
| Loan-to-deposit ratio | 85.32% |
| Net loans to equity capital | 4.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.93% |
| Multifamily (5+ residential) | 17.71% |
| Commercial and industrial | 3.99% |
| Consumer | 0.33% |
| Credit cards | 0.00% |
| Farm | 5.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 162.82% |
| Construction concentration (Tier 1 capital + allowance) | 9.26% |
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 | 7.21% |
| Interest income on loans | $4.6M |
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 | $245.0M | $276.1M | 35.48% | 1.41% | 0.71% |
| Q4 2023 | $244.3M | $272.3M | 34.87% | 1.71% | 0.56% |
| Q1 2024 | $243.2M | $280.0M | 35.36% | 1.77% | 0.40% |
| Q2 2024 | $232.7M | $281.3M | 33.04% | 1.76% | 0.36% |
| Q3 2024 | $243.3M | $273.7M | 32.29% | 2.44% | 0.34% |
| Q4 2024 | $248.8M | $274.7M | 32.25% | 3.01% | 0.35% |
| Q1 2025 | $248.2M | $280.1M | 32.06% | 3.02% | 0.37% |
| Q2 2025 | $254.4M | $283.5M | 31.63% | 2.97% | 0.35% |
| Q3 2025 | $258.2M | $274.7M | 30.55% | 3.68% | 0.34% |
| Q4 2025 | $259.6M | $282.0M | 30.59% | 4.22% | 0.30% |
| Q1 2026 | $256.6M | $293.1M | 31.36% | 3.42% | 0.29% |
| Q2 2026 | $260.9M | $305.7M | 29.93% | 3.99% | 0.33% |
Municipal Trust and Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Municipal Trust and Savings 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 Municipal Trust and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23546) · FFIEC NIC profile (RSSD 460332)