Petefish, Skiles & Company: 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 Loans held for sale: 151.1% higher than in Q1 2026, at $5.7M. Petefish, Skiles & Company ranks 121st of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 80.75% (Q2 2026). At 80.75%, Petefish, Skiles & Company's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $355.1M |
| Net loans and leases | $351.7M |
| Loans held for sale | $5.7M |
| Loans to total assets | 70.79% |
| Loan-to-deposit ratio | 80.75% |
| Net loans to equity capital | 7.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.80% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.75% |
| Consumer | 7.17% |
| Credit cards | 0.14% |
| Farm | 30.86% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 76.73% |
| Construction concentration (Tier 1 capital + allowance) | 15.53% |
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 | $5.6M |
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 | $187.4M | $272.1M | 10.09% | 9.40% | 9.90% |
| Q4 2023 | $205.0M | $267.1M | 10.38% | 8.81% | 9.17% |
| Q1 2024 | $208.4M | $282.0M | 10.07% | 9.58% | 9.10% |
| Q2 2024 | $213.8M | $273.8M | 9.20% | 9.29% | 9.40% |
| Q3 2024 | $216.3M | $267.6M | 9.21% | 9.18% | 9.36% |
| Q4 2024 | $315.2M | $406.6M | 9.23% | 8.54% | 8.34% |
| Q1 2025 | $311.8M | $423.0M | 9.78% | 8.39% | 7.81% |
| Q2 2025 | $320.6M | $412.0M | 9.71% | 8.33% | 7.98% |
| Q3 2025 | $329.7M | $404.8M | 9.07% | 8.05% | 7.54% |
| Q4 2025 | $340.7M | $417.9M | 8.70% | 7.86% | 7.32% |
| Q1 2026 | $339.0M | $445.7M | 9.22% | 8.33% | 7.25% |
| Q2 2026 | $355.1M | $439.8M | 9.80% | 7.75% | 7.17% |
Petefish, Skiles & Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Petefish, Skiles & Company, 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 Petefish, Skiles & Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10829) · FFIEC NIC profile (RSSD 602543)