Nashville 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 Construction concentration (Tier 1 capital + allowance): 19.44 percentage points lower than in Q1 2026, at 6.68%. Nashville Savings Bank ranks 181st of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 73.65% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Nashville Savings Bank sits 7.18 points lower, at 73.65% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $69.1M |
| Net loans and leases | $68.4M |
| Loans held for sale | $0 |
| Loans to total assets | 64.08% |
| Loan-to-deposit ratio | 73.65% |
| Net loans to equity capital | 4.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.34% |
| Multifamily (5+ residential) | 2.02% |
| Commercial and industrial | 13.27% |
| Consumer | 5.98% |
| Credit cards | 0.00% |
| Farm | 19.51% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 67.34% |
| Construction concentration (Tier 1 capital + allowance) | 6.68% |
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 | 5.78% |
| Interest income on loans | $987K |
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 | $57.5M | $77.7M | 19.66% | 16.48% | 5.48% |
| Q4 2023 | $60.4M | $80.4M | 20.02% | 15.04% | 5.38% |
| Q1 2024 | $64.0M | $78.6M | 19.56% | 13.97% | 5.09% |
| Q2 2024 | $63.2M | $86.6M | 21.36% | 13.33% | 5.55% |
| Q3 2024 | $63.6M | $83.2M | 21.16% | 13.90% | 5.48% |
| Q4 2024 | $64.9M | $85.7M | 20.45% | 13.50% | 6.28% |
| Q1 2025 | $65.6M | $89.2M | 20.84% | 14.07% | 5.81% |
| Q2 2025 | $67.7M | $88.2M | 21.44% | 14.01% | 5.95% |
| Q3 2025 | $67.4M | $88.4M | 20.36% | 13.40% | 6.38% |
| Q4 2025 | $68.1M | $90.7M | 20.21% | 11.94% | 6.25% |
| Q1 2026 | $67.8M | $95.0M | 20.13% | 11.65% | 5.94% |
| Q2 2026 | $69.1M | $93.9M | 22.34% | 13.27% | 5.98% |
Nashville Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Nashville 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 Nashville Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29677) · FFIEC NIC profile (RSSD 343770)