Providence 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.
Cre concentration (tier 1 capital + allowance) dropped 27.76 percentage points in Q2 2026, from 345.19% to 317.42%. It was the largest change from Q1 2026 among the key lines here. Providence Bank & Trust ranks 122nd of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 80.70% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Providence Bank & Trust sits 7.51 points lower, at 80.70% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.09B |
| Net loans and leases | $1.07B |
| Loans held for sale | $0 |
| Loans to total assets | 69.70% |
| Loan-to-deposit ratio | 80.70% |
| Net loans to equity capital | 5.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 51.79% |
| Multifamily (5+ residential) | 20.11% |
| Commercial and industrial | 12.81% |
| Consumer | 0.36% |
| Credit cards | 0.00% |
| Farm | 0.31% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 317.42% |
| Construction concentration (Tier 1 capital + allowance) | 41.35% |
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 | $18.3M |
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 | $1.06B | $1.36B | 47.99% | 13.51% | 0.65% |
| Q4 2023 | $1.06B | $1.37B | 48.88% | 11.78% | 0.68% |
| Q1 2024 | $1.06B | $1.37B | 49.18% | 10.94% | 0.67% |
| Q2 2024 | $1.09B | $1.37B | 50.09% | 10.90% | 0.69% |
| Q3 2024 | $1.11B | $1.41B | 50.37% | 11.09% | 0.62% |
| Q4 2024 | $1.09B | $1.42B | 51.04% | 11.10% | 0.57% |
| Q1 2025 | $1.09B | $1.38B | 52.86% | 11.21% | 0.58% |
| Q2 2025 | $1.09B | $1.34B | 51.46% | 11.27% | 0.61% |
| Q3 2025 | $1.11B | $1.39B | 52.26% | 10.98% | 0.48% |
| Q4 2025 | $1.11B | $1.37B | 50.33% | 11.53% | 0.41% |
| Q1 2026 | $1.13B | $1.35B | 50.83% | 13.62% | 0.38% |
| Q2 2026 | $1.09B | $1.35B | 51.79% | 12.81% | 0.36% |
Providence Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Providence 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 Providence Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57754) · FFIEC NIC profile (RSSD 3280625)