Raritan State 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.71 percentage points higher than in Q1 2026, at 84.84%. Raritan State Bank ranks 96th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 84.84% (Q2 2026). Raritan State Bank reported 84.84% on loan-to-deposit ratio for Q2 2026, 3.89 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $189.7M |
| Net loans and leases | $188.0M |
| Loans held for sale | $0 |
| Loans to total assets | 74.73% |
| Loan-to-deposit ratio | 84.84% |
| Net loans to equity capital | 6.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.49% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 16.59% |
| Consumer | 7.33% |
| Credit cards | 0.00% |
| Farm | 17.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 1.78% |
| Construction concentration (Tier 1 capital + allowance) | 1.78% |
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 | 6.49% |
| Interest income on loans | $3.1M |
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 | $159.6M | $214.3M | 0.32% | 14.59% | 7.98% |
| Q4 2023 | $163.1M | $231.3M | 0.34% | 14.25% | 7.60% |
| Q1 2024 | $161.6M | $231.7M | 0.33% | 14.33% | 7.49% |
| Q2 2024 | $164.0M | $227.4M | 0.37% | 14.92% | 7.58% |
| Q3 2024 | $169.0M | $222.7M | 0.35% | 15.52% | 7.72% |
| Q4 2024 | $168.9M | $221.8M | 0.40% | 15.47% | 7.82% |
| Q1 2025 | $168.7M | $222.2M | 0.37% | 16.46% | 7.71% |
| Q2 2025 | $173.3M | $221.1M | 0.41% | 16.53% | 7.62% |
| Q3 2025 | $177.5M | $218.2M | 0.85% | 16.15% | 7.78% |
| Q4 2025 | $182.0M | $220.1M | 1.23% | 16.24% | 7.48% |
| Q1 2026 | $187.3M | $225.3M | 1.48% | 16.33% | 7.43% |
| Q2 2026 | $189.7M | $223.6M | 1.49% | 16.59% | 7.33% |
Raritan State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Raritan State 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 Raritan State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10438) · FFIEC NIC profile (RSSD 749943)