Osb Community 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.
Construction concentration (Tier 1 capital + allowance) dropped 1.36 percentage points in Q2 2026, from 56.51% to 55.15%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Osb Community Bank ranks 11th highest among the 323 banks headquartered in Illinois, at 105.50% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Osb Community Bank sits 24.94 points higher, at 105.50% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $309.6M |
| Net loans and leases | $305.6M |
| Loans held for sale | $280K |
| Loans to total assets | 87.06% |
| Loan-to-deposit ratio | 105.50% |
| Net loans to equity capital | 7.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.97% |
| Multifamily (5+ residential) | 5.39% |
| Commercial and industrial | 9.04% |
| Consumer | 0.43% |
| Credit cards | 0.00% |
| Farm | 3.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 171.55% |
| Construction concentration (Tier 1 capital + allowance) | 55.15% |
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 | 5.44% |
| Interest income on loans | $4.2M |
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 | $318.0M | $286.9M | 12.87% | 7.94% | 2.04% |
| Q4 2023 | $316.6M | $283.9M | 13.17% | 7.81% | 1.86% |
| Q1 2024 | $310.6M | $284.0M | 15.64% | 6.69% | 1.71% |
| Q2 2024 | $307.0M | $279.3M | 15.93% | 7.05% | 1.52% |
| Q3 2024 | $308.8M | $278.5M | 16.34% | 7.14% | 1.30% |
| Q4 2024 | $306.2M | $285.4M | 17.46% | 7.53% | 1.08% |
| Q1 2025 | $299.2M | $287.9M | 18.52% | 7.70% | 0.95% |
| Q2 2025 | $306.3M | $280.7M | 18.35% | 7.88% | 0.79% |
| Q3 2025 | $302.8M | $294.5M | 18.64% | 8.24% | 0.67% |
| Q4 2025 | $309.9M | $300.9M | 20.33% | 9.26% | 0.55% |
| Q1 2026 | $312.1M | $298.4M | 20.55% | 9.15% | 0.50% |
| Q2 2026 | $309.6M | $293.5M | 20.97% | 9.04% | 0.43% |
Osb Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Osb Community 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 Osb Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27989) · FFIEC NIC profile (RSSD 725077)