Peoples National Bank of Kewanee: 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) dropped 15.93 percentage points in Q2 2026, from 100.12% to 84.19%. It was the largest change from Q1 2026 among the key lines here. Peoples National Bank of Kewanee has the 8th lowest loan-to-deposit ratio of the 323 banks headquartered in Illinois, at 31.72% as of Q2 2026. Peoples National Bank of Kewanee's loan-to-deposit ratio of 31.72% is well below the 80.94% median for banks in the $100M-1B asset tier, a gap of 49.22 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $164.0M |
| Net loans and leases | $161.1M |
| Loans held for sale | $0 |
| Loans to total assets | 27.91% |
| Loan-to-deposit ratio | 31.72% |
| Net loans to equity capital | 2.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.80% |
| Multifamily (5+ residential) | 6.50% |
| Commercial and industrial | 12.95% |
| Consumer | 2.30% |
| Credit cards | 0.00% |
| Farm | 9.71% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 84.19% |
| Construction concentration (Tier 1 capital + allowance) | 18.43% |
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 | 5.94% |
| 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 | $169.7M | $491.5M | 41.17% | 9.81% | 2.87% |
| Q4 2023 | $167.8M | $487.2M | 40.76% | 8.88% | 2.82% |
| Q1 2024 | $167.8M | $493.8M | 41.58% | 12.58% | 2.86% |
| Q2 2024 | $165.4M | $500.3M | 41.76% | 12.60% | 2.77% |
| Q3 2024 | $174.0M | $513.1M | 42.39% | 12.10% | 2.63% |
| Q4 2024 | $174.8M | $516.3M | 42.15% | 13.09% | 2.42% |
| Q1 2025 | $170.8M | $522.4M | 40.48% | 13.44% | 2.32% |
| Q2 2025 | $177.3M | $513.4M | 41.60% | 12.68% | 2.25% |
| Q3 2025 | $180.1M | $522.2M | 40.28% | 12.07% | 2.49% |
| Q4 2025 | $179.7M | $518.3M | 40.93% | 11.83% | 2.52% |
| Q1 2026 | $173.0M | $519.9M | 40.62% | 11.56% | 2.14% |
| Q2 2026 | $164.0M | $517.0M | 38.80% | 12.95% | 2.30% |
Peoples National Bank of Kewanee loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples National Bank of Kewanee, 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 National Bank of Kewanee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 926) · FFIEC NIC profile (RSSD 823133)