Philo Exchange 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 6.29 percentage points in Q2 2026, from 7.44% to 1.15%. It was the largest change from Q1 2026 among the key lines here. Philo Exchange Bank ranks 213th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 68.30% (Q2 2026). Philo Exchange Bank reported 68.30% on loan-to-deposit ratio for Q2 2026, 12.26 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $89.0M |
| Net loans and leases | $88.1M |
| Loans held for sale | $0 |
| Loans to total assets | 56.82% |
| Loan-to-deposit ratio | 68.30% |
| Net loans to equity capital | 5.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.47% |
| Multifamily (5+ residential) | 24.59% |
| Commercial and industrial | 5.68% |
| Consumer | 3.71% |
| Credit cards | 0.00% |
| Farm | 26.85% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.37% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 161.08% |
| Construction concentration (Tier 1 capital + allowance) | 1.15% |
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 | 5.66% |
| Interest income on loans | $1.2M |
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 | $76.6M | $119.8M | 13.59% | 0.72% | 5.58% |
| Q4 2023 | $80.7M | $115.7M | 10.29% | 0.68% | 5.01% |
| Q1 2024 | $80.6M | $117.0M | 10.14% | 1.20% | 4.84% |
| Q2 2024 | $82.9M | $107.7M | 9.88% | 2.01% | 4.46% |
| Q3 2024 | $87.1M | $107.3M | 9.36% | 2.00% | 4.39% |
| Q4 2024 | $86.5M | $106.3M | 8.30% | 2.04% | 3.84% |
| Q1 2025 | $84.2M | $112.8M | 8.42% | 2.15% | 3.79% |
| Q2 2025 | $86.2M | $110.1M | 8.12% | 2.14% | 3.87% |
| Q3 2025 | $88.6M | $111.3M | 7.75% | 2.04% | 3.90% |
| Q4 2025 | $91.8M | $122.9M | 7.65% | 3.40% | 3.30% |
| Q1 2026 | $86.2M | $126.0M | 6.54% | 4.23% | 3.68% |
| Q2 2026 | $89.0M | $130.3M | 6.47% | 5.68% | 3.71% |
Philo Exchange Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Philo Exchange 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 Philo Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5722) · FFIEC NIC profile (RSSD 667346)