National Bank of St. Anne: 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): 6.90 percentage points lower than in Q1 2026, at 32.27%. On loan-to-deposit ratio, National Bank of St. Anne ranks 31st highest among the 323 banks headquartered in Illinois, at 96.21% (Q2 2026). National Bank of St. Anne reported 96.21% on loan-to-deposit ratio for Q2 2026, 15.37 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $122.0M |
| Net loans and leases | $120.6M |
| Loans held for sale | $0 |
| Loans to total assets | 85.14% |
| Loan-to-deposit ratio | 96.21% |
| Net loans to equity capital | 8.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.96% |
| Multifamily (5+ residential) | 3.95% |
| Commercial and industrial | 8.31% |
| Consumer | 3.02% |
| Credit cards | 0.00% |
| Farm | 14.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 143.97% |
| Construction concentration (Tier 1 capital + allowance) | 32.27% |
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 | 6.99% |
| Interest income on loans | $2.1M |
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 | $93.9M | $98.5M | 40.60% | 8.95% | 3.77% |
| Q4 2023 | $99.3M | $106.2M | 40.33% | 10.67% | 3.70% |
| Q1 2024 | $97.3M | $110.1M | 40.84% | 11.02% | 3.68% |
| Q2 2024 | $102.4M | $109.4M | 39.65% | 11.35% | 3.62% |
| Q3 2024 | $103.8M | $112.6M | 39.23% | 11.66% | 3.45% |
| Q4 2024 | $104.3M | $120.5M | 40.05% | 11.23% | 3.32% |
| Q1 2025 | $104.7M | $119.3M | 22.73% | 10.49% | 3.11% |
| Q2 2025 | $107.7M | $118.0M | 23.11% | 9.71% | 3.05% |
| Q3 2025 | $113.1M | $119.4M | 22.01% | 9.62% | 2.91% |
| Q4 2025 | $115.9M | $124.8M | 23.39% | 8.58% | 2.78% |
| Q1 2026 | $116.5M | $128.0M | 24.24% | 8.41% | 2.87% |
| Q2 2026 | $122.0M | $126.8M | 23.96% | 8.31% | 3.02% |
National Bank of St. Anne loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock National Bank of St. Anne, 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 National Bank of St. Anne profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16752) · FFIEC NIC profile (RSSD 760340)