Republic Bank of Chicago: 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 7.80 percentage points in Q2 2026, from 222.75% to 214.96%. It was the largest change from Q1 2026 among the key lines here. Republic Bank of Chicago ranks 177th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 74.08% (Q2 2026). Republic Bank of Chicago reported 74.08% on loan-to-deposit ratio for Q2 2026, 14.12 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.68B |
| Net loans and leases | $1.66B |
| Loans held for sale | $0 |
| Loans to total assets | 64.22% |
| Loan-to-deposit ratio | 74.08% |
| Net loans to equity capital | 5.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.11% |
| Multifamily (5+ residential) | 5.53% |
| Commercial and industrial | 40.07% |
| Consumer | 0.06% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 214.96% |
| Construction concentration (Tier 1 capital + allowance) | 70.68% |
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 | 6.70% |
| Interest income on loans | $27.3M |
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 | $1.72B | $2.25B | 28.74% | 37.78% | 0.04% |
| Q4 2023 | $1.82B | $2.20B | 28.89% | 38.41% | 0.05% |
| Q1 2024 | $1.86B | $2.26B | 28.79% | 37.35% | 0.05% |
| Q2 2024 | $1.88B | $2.23B | 29.90% | 36.03% | 0.05% |
| Q3 2024 | $1.85B | $2.31B | 29.70% | 33.94% | 0.05% |
| Q4 2024 | $1.76B | $2.23B | 30.14% | 34.92% | 0.06% |
| Q1 2025 | $1.75B | $2.27B | 29.21% | 35.59% | 0.07% |
| Q2 2025 | $1.69B | $2.26B | 31.76% | 37.30% | 0.08% |
| Q3 2025 | $1.69B | $2.22B | 31.63% | 36.10% | 0.08% |
| Q4 2025 | $1.69B | $2.33B | 33.44% | 36.40% | 0.07% |
| Q1 2026 | $1.63B | $2.19B | 33.17% | 38.03% | 0.06% |
| Q2 2026 | $1.68B | $2.26B | 33.11% | 40.07% | 0.06% |
Republic Bank of Chicago loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Republic Bank of Chicago, 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 Republic Bank of Chicago profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19333) · FFIEC NIC profile (RSSD 671334)