Old Plank Trail Community Bank, N.A.: 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.
Cre concentration (tier 1 capital + allowance) climbed 11.73 percentage points in Q2 2026, from 142.76% to 154.50%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Old Plank Trail Community Bank, N.A. is 128th of 323 on loan-to-deposit ratio, 80.28% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Old Plank Trail Community Bank, N.A. sits 7.92 points lower, at 80.28% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.50B |
| Net loans and leases | $2.49B |
| Loans held for sale | $0 |
| Loans to total assets | 70.88% |
| Loan-to-deposit ratio | 80.28% |
| Net loans to equity capital | 8.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.31% |
| Multifamily (5+ residential) | 5.37% |
| Commercial and industrial | 46.07% |
| Consumer | 15.87% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.22% |
| State and political subdivisions | 0.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 154.50% |
| Construction concentration (Tier 1 capital + allowance) | 18.67% |
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 | 5.68% |
| Interest income on loans | $34.7M |
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 | $1.72B | $2.18B | 15.96% | 44.70% | 23.14% |
| Q4 2023 | $1.85B | $2.28B | 15.22% | 45.51% | 22.59% |
| Q1 2024 | $1.96B | $2.43B | 14.25% | 47.61% | 20.63% |
| Q2 2024 | $1.99B | $2.52B | 15.08% | 45.77% | 20.44% |
| Q3 2024 | $2.07B | $2.55B | 14.33% | 47.05% | 19.76% |
| Q4 2024 | $2.14B | $2.55B | 15.45% | 46.20% | 18.83% |
| Q1 2025 | $2.21B | $2.68B | 14.07% | 48.92% | 18.08% |
| Q2 2025 | $2.29B | $2.77B | 12.96% | 47.95% | 18.02% |
| Q3 2025 | $2.35B | $2.88B | 13.20% | 47.85% | 16.47% |
| Q4 2025 | $2.36B | $2.84B | 13.50% | 46.28% | 17.05% |
| Q1 2026 | $2.39B | $2.89B | 14.82% | 44.85% | 17.22% |
| Q2 2026 | $2.50B | $3.12B | 15.31% | 46.07% | 15.87% |
Old Plank Trail Community Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Old Plank Trail Community Bank, N.A., 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 Old Plank Trail Community Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58314) · FFIEC NIC profile (RSSD 3404207)