North Central 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.
Loan-to-deposit ratio dropped 2.59 percentage points in Q2 2026, from 62.00% to 59.40%. It was the largest change from Q1 2026 among the key lines here. North Central Bank ranks 247th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 59.40% (Q2 2026). North Central Bank reported 59.40% on loan-to-deposit ratio for Q2 2026, 21.43 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $85.9M |
| Net loans and leases | $84.7M |
| Loans held for sale | $0 |
| Loans to total assets | 51.80% |
| Loan-to-deposit ratio | 59.40% |
| Net loans to equity capital | 4.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.07% |
| Multifamily (5+ residential) | 1.05% |
| Commercial and industrial | 6.99% |
| Consumer | 4.35% |
| Credit cards | 0.00% |
| Farm | 18.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.25% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 60.83% |
| Construction concentration (Tier 1 capital + allowance) | 6.65% |
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 | — |
| Interest income on loans | $1.4M |
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 | $88.8M | $133.3M | 27.49% | 8.44% | 4.61% |
| Q4 2023 | $86.8M | $133.5M | 24.44% | 9.12% | 4.57% |
| Q1 2024 | $83.4M | $133.6M | 24.75% | 9.25% | 4.75% |
| Q2 2024 | $84.9M | $139.4M | 24.23% | 9.31% | 4.83% |
| Q3 2024 | $85.2M | $138.2M | 24.10% | 8.25% | 4.98% |
| Q4 2024 | $85.2M | $129.4M | 23.79% | 7.64% | 4.95% |
| Q1 2025 | $85.3M | $134.8M | 24.71% | 8.58% | 4.60% |
| Q2 2025 | $84.9M | $145.7M | 25.87% | 7.96% | 5.68% |
| Q3 2025 | $85.9M | $143.3M | 25.89% | 7.86% | 4.94% |
| Q4 2025 | $87.2M | $137.3M | 25.39% | 7.50% | 4.50% |
| Q1 2026 | $88.4M | $142.6M | 24.58% | 7.47% | 4.25% |
| Q2 2026 | $85.9M | $144.7M | 25.07% | 6.99% | 4.35% |
North Central Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock North Central 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 North Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17241) · FFIEC NIC profile (RSSD 565536)