Peoples Bank of Kankakee County: 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 CRE concentration (Tier 1 capital + allowance): 9.02 percentage points higher than in Q1 2026, at 211.25%. Peoples Bank of Kankakee County ranks 275th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 51.95% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Peoples Bank of Kankakee County sits 28.89 points lower, at 51.95% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $170.6M |
| Net loans and leases | $168.3M |
| Loans held for sale | $196K |
| Loans to total assets | 45.41% |
| Loan-to-deposit ratio | 51.95% |
| Net loans to equity capital | 7.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.43% |
| Multifamily (5+ residential) | 8.97% |
| Commercial and industrial | 10.90% |
| Consumer | 6.67% |
| Credit cards | 0.00% |
| Farm | 0.18% |
| Loans to depository institutions | 2.49% |
| State and political subdivisions | 1.63% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 211.25% |
| Construction concentration (Tier 1 capital + allowance) | 20.08% |
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 | — |
| Interest income on loans | $2.5M |
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 | $147.1M | $277.9M | 40.22% | 10.00% | 11.77% |
| Q4 2023 | $147.0M | $289.5M | 42.83% | 9.20% | 8.91% |
| Q1 2024 | $153.4M | $296.7M | 43.47% | 11.40% | 8.43% |
| Q2 2024 | $152.7M | $289.8M | 41.74% | 11.90% | 8.78% |
| Q3 2024 | $154.3M | $289.3M | 39.99% | 12.89% | 8.48% |
| Q4 2024 | $158.7M | $292.6M | 37.55% | 12.18% | 8.41% |
| Q1 2025 | $155.2M | $303.2M | 39.45% | 11.84% | 7.27% |
| Q2 2025 | $162.7M | $302.8M | 42.35% | 10.74% | 7.50% |
| Q3 2025 | $163.2M | $301.7M | 41.63% | 11.54% | 7.21% |
| Q4 2025 | $160.2M | $308.0M | 41.61% | 10.59% | 7.13% |
| Q1 2026 | $160.0M | $314.9M | 40.47% | 10.49% | 7.03% |
| Q2 2026 | $170.6M | $328.3M | 38.43% | 10.90% | 6.67% |
Peoples Bank of Kankakee County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank of Kankakee County, 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 Peoples Bank of Kankakee County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18566) · FFIEC NIC profile (RSSD 821036)