The Old Exchange National Bank of Okawville: 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 Loan-to-deposit ratio: 1.14 percentage points higher than in Q1 2026, at 48.55%. Within Illinois, The Old Exchange National Bank of Okawville is 290th of 323 on loan-to-deposit ratio, 48.55% as of Q2 2026, below the middle of the field. The Old Exchange National Bank of Okawville reported 48.55% on loan-to-deposit ratio for Q2 2026, 19.07 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $38.9M |
| Net loans and leases | $38.5M |
| Loans held for sale | $0 |
| Loans to total assets | 42.59% |
| Loan-to-deposit ratio | 48.55% |
| Net loans to equity capital | 4.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.08% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 2.90% |
| Consumer | 1.78% |
| Credit cards | 0.00% |
| Farm | 47.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 8.99% |
| Construction concentration (Tier 1 capital + allowance) | 5.75% |
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 | 6.34% |
| Interest income on loans | $614K |
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 | $30.1M | $73.9M | 1.36% | 2.00% | 1.41% |
| Q4 2023 | $34.5M | $77.9M | 1.48% | 2.49% | 1.20% |
| Q1 2024 | $32.4M | $71.9M | 1.54% | 2.84% | 1.37% |
| Q2 2024 | $34.4M | $71.1M | 1.61% | 5.25% | 1.14% |
| Q3 2024 | $37.0M | $74.2M | 2.16% | 5.51% | 0.98% |
| Q4 2024 | $38.6M | $76.0M | 1.63% | 1.55% | 0.97% |
| Q1 2025 | $35.9M | $78.3M | 1.71% | 1.61% | 0.93% |
| Q2 2025 | $35.5M | $73.6M | 1.71% | 2.48% | 1.25% |
| Q3 2025 | $36.1M | $75.3M | 1.66% | 2.13% | 1.21% |
| Q4 2025 | $40.5M | $85.3M | 1.47% | 2.44% | 1.25% |
| Q1 2026 | $38.3M | $80.7M | 2.13% | 2.76% | 1.59% |
| Q2 2026 | $38.9M | $80.1M | 2.08% | 2.90% | 1.78% |
The Old Exchange National Bank of Okawville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Old Exchange National Bank of Okawville, 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 The Old Exchange National Bank of Okawville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3827) · FFIEC NIC profile (RSSD 411240)