Prairie State Bank & Trust: 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: 62.2% lower than in Q1 2026, at $792K. Within Illinois, Prairie State Bank & Trust is 158th of 323 on loan-to-deposit ratio, 75.71% 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 State Bank & Trust sits 5.13 points lower, at 75.71% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $552.8M |
| Net loans and leases | $547.0M |
| Loans held for sale | $792K |
| Loans to total assets | 65.80% |
| Loan-to-deposit ratio | 75.71% |
| Net loans to equity capital | 5.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.41% |
| Multifamily (5+ residential) | 15.75% |
| Commercial and industrial | 10.99% |
| Consumer | 0.67% |
| Credit cards | 0.03% |
| Farm | 16.38% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.61% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 216.40% |
| Construction concentration (Tier 1 capital + allowance) | 35.81% |
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 | $8.3M |
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 | $506.7M | $684.8M | 21.59% | 13.33% | 1.06% |
| Q4 2023 | $517.8M | $664.0M | 21.24% | 12.62% | 1.12% |
| Q1 2024 | $504.5M | $669.6M | 21.72% | 12.57% | 1.10% |
| Q2 2024 | $507.7M | $699.7M | 22.42% | 12.77% | 1.07% |
| Q3 2024 | $517.3M | $673.0M | 22.73% | 12.34% | 1.01% |
| Q4 2024 | $524.4M | $668.3M | 23.56% | 11.28% | 0.92% |
| Q1 2025 | $536.8M | $693.2M | 24.82% | 11.09% | 0.91% |
| Q2 2025 | $552.7M | $698.5M | 24.36% | 11.23% | 0.94% |
| Q3 2025 | $554.2M | $699.0M | 24.07% | 11.13% | 0.89% |
| Q4 2025 | $563.5M | $701.4M | 23.45% | 11.11% | 0.75% |
| Q1 2026 | $551.5M | $700.5M | 24.08% | 11.32% | 0.71% |
| Q2 2026 | $552.8M | $730.2M | 24.41% | 10.99% | 0.67% |
Prairie State Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Prairie State Bank & Trust, 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 State Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27362) · FFIEC NIC profile (RSSD 1222948)