North Side Federal Savings and Loan Association of Chicago: 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.
Loans to total assets climbed 1.80 percentage points in Q2 2026, from 74.60% to 76.40%. It was the largest change from Q1 2026 among the key lines here. North Side Federal Savings and Loan Association of Chicago ranks 51st of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 92.46% (Q2 2026). North Side Federal Savings and Loan Association of Chicago reported 92.46% on loan-to-deposit ratio for Q2 2026, 24.83 points above the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $31.9M |
| Net loans and leases | $31.7M |
| Loans held for sale | $0 |
| Loans to total assets | 76.40% |
| Loan-to-deposit ratio | 92.46% |
| Net loans to equity capital | 8.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.86% |
| Multifamily (5+ residential) | 5.37% |
| Commercial and industrial | 0.00% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 78.42% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 5.25% |
| Interest income on loans | $416K |
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 | $26.3M | $37.5M | 10.95% | 0.02% | 0.01% |
| Q4 2023 | $27.0M | $36.4M | 10.53% | 0.02% | 0.01% |
| Q1 2024 | $28.7M | $35.0M | 9.82% | 0.01% | 0.01% |
| Q2 2024 | $30.1M | $35.5M | 9.23% | 0.01% | 0.01% |
| Q3 2024 | $30.3M | $33.8M | 9.06% | 0.01% | 0.01% |
| Q4 2024 | $31.1M | $35.4M | 8.66% | 0.00% | 0.01% |
| Q1 2025 | $31.3M | $34.5M | 9.40% | 0.00% | 0.01% |
| Q2 2025 | $30.7M | $35.6M | 9.42% | 0.00% | 0.01% |
| Q3 2025 | $31.3M | $35.6M | 10.60% | 0.00% | 0.00% |
| Q4 2025 | $32.1M | $34.6M | 11.12% | 0.00% | 0.00% |
| Q1 2026 | $31.3M | $33.7M | 11.25% | 0.00% | 0.00% |
| Q2 2026 | $31.9M | $34.6M | 10.86% | 0.00% | 0.00% |
North Side Federal Savings and Loan Association of Chicago loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock North Side Federal Savings and Loan Association of Chicago, 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 Side Federal Savings and Loan Association of Chicago profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29449) · FFIEC NIC profile (RSSD 375379)