Prairie 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.
Cre concentration (tier 1 capital + allowance) climbed 38.05 percentage points in Q2 2026, from 254.55% to 292.60%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Prairie Community Bank is 139th of 323 on loan-to-deposit ratio, 78.66% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Prairie Community Bank reported 78.66% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $134.4M |
| Net loans and leases | $132.4M |
| Loans held for sale | $0 |
| Loans to total assets | 71.68% |
| Loan-to-deposit ratio | 78.66% |
| Net loans to equity capital | 8.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.39% |
| Multifamily (5+ residential) | 13.47% |
| Commercial and industrial | 10.27% |
| Consumer | 0.36% |
| Credit cards | 0.00% |
| Farm | 0.86% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.27% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 292.60% |
| Construction concentration (Tier 1 capital + allowance) | 24.29% |
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 | 6.18% |
| Interest income on loans | $2.1M |
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 | $103.0M | $149.7M | 44.98% | 11.06% | 0.91% |
| Q4 2023 | $105.7M | $147.5M | 47.41% | 10.93% | 0.86% |
| Q1 2024 | $106.1M | $145.3M | 46.87% | 10.95% | 0.86% |
| Q2 2024 | $109.7M | $150.7M | 49.76% | 10.81% | 1.23% |
| Q3 2024 | $113.9M | $156.9M | 53.30% | 10.85% | 0.79% |
| Q4 2024 | $123.0M | $153.5M | 52.36% | 11.05% | 0.86% |
| Q1 2025 | $120.5M | $163.2M | 52.52% | 10.63% | 0.79% |
| Q2 2025 | $124.3M | $168.6M | 55.13% | 10.85% | 0.77% |
| Q3 2025 | $126.5M | $175.4M | 56.27% | 10.27% | 0.53% |
| Q4 2025 | $127.0M | $172.0M | 54.89% | 10.23% | 0.48% |
| Q1 2026 | $127.2M | $174.2M | 53.58% | 10.51% | 0.30% |
| Q2 2026 | $134.4M | $170.9M | 48.39% | 10.27% | 0.36% |
Prairie Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Prairie 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 Prairie Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34526) · FFIEC NIC profile (RSSD 2598396)