North County 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): 3.48 percentage points higher than in Q1 2026, at 3.48%. North County Savings Bank ranks 287th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 49.15% (Q2 2026). North County Savings Bank reported 49.15% on loan-to-deposit ratio for Q2 2026, 18.47 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $28.5M |
| Net loans and leases | $28.3M |
| Loans held for sale | $0 |
| Loans to total assets | 45.03% |
| Loan-to-deposit ratio | 49.15% |
| Net loans to equity capital | 5.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.16% |
| Multifamily (5+ residential) | 0.76% |
| Commercial and industrial | 0.00% |
| Consumer | 6.21% |
| Credit cards | 0.00% |
| Farm | 3.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 18.61% |
| Construction concentration (Tier 1 capital + allowance) | 3.48% |
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 | 5.17% |
| Interest income on loans | $365K |
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 | $26.1M | $59.3M | 1.58% | 0.00% | 5.09% |
| Q4 2023 | $27.2M | $58.5M | 1.96% | 0.00% | 5.40% |
| Q1 2024 | $26.6M | $60.7M | 1.98% | 0.00% | 5.21% |
| Q2 2024 | $26.8M | $59.6M | 2.73% | 0.00% | 6.02% |
| Q3 2024 | $27.0M | $58.3M | 2.76% | 0.00% | 6.40% |
| Q4 2024 | $27.6M | $56.6M | 2.67% | 0.00% | 6.04% |
| Q1 2025 | $27.3M | $56.5M | 2.67% | 0.00% | 6.23% |
| Q2 2025 | $27.2M | $58.5M | 2.65% | 0.00% | 5.49% |
| Q3 2025 | $27.4M | $58.6M | 2.60% | 0.00% | 5.86% |
| Q4 2025 | $27.7M | $58.3M | 2.53% | 0.00% | 6.86% |
| Q1 2026 | $28.0M | $57.8M | 2.47% | 0.00% | 6.46% |
| Q2 2026 | $28.5M | $57.9M | 2.16% | 0.00% | 6.21% |
North County Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock North County 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 North County Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30656) · FFIEC NIC profile (RSSD 482370)