Sainte Marie 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.
Cre concentration (tier 1 capital + allowance) climbed 16.42 percentage points in Q2 2026, from 18.39% to 34.81%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Sainte Marie State Bank is 28th from the bottom among 323 Illinois banks, 47.29% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Sainte Marie State Bank sits 20.34 points lower, at 47.29% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $9.1M |
| Net loans and leases | $8.9M |
| Loans held for sale | $0 |
| Loans to total assets | 39.53% |
| Loan-to-deposit ratio | 47.29% |
| Net loans to equity capital | 2.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.47% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.80% |
| Consumer | 4.34% |
| Credit cards | 0.00% |
| Farm | 40.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 34.81% |
| Construction concentration (Tier 1 capital + allowance) | 34.81% |
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 | 6.69% |
| Interest income on loans | $153K |
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 | $5.7M | $11.3M | 2.65% | 12.20% | 4.29% |
| Q4 2023 | $5.9M | $11.3M | 2.02% | 15.68% | 3.93% |
| Q1 2024 | $5.6M | $12.1M | 1.99% | 15.90% | 4.39% |
| Q2 2024 | $5.7M | $11.5M | 1.87% | 15.98% | 5.36% |
| Q3 2024 | $5.6M | $11.2M | 1.42% | 11.82% | 5.14% |
| Q4 2024 | $5.7M | $11.2M | 1.30% | 11.22% | 5.28% |
| Q1 2025 | $5.7M | $12.2M | 5.34% | 12.42% | 5.94% |
| Q2 2025 | $5.7M | $14.6M | 5.26% | 11.13% | 6.01% |
| Q3 2025 | $6.6M | $13.9M | 10.82% | 9.28% | 6.11% |
| Q4 2025 | $8.0M | $15.0M | 8.86% | 7.36% | 4.10% |
| Q1 2026 | $8.5M | $16.9M | 8.22% | 6.68% | 3.71% |
| Q2 2026 | $9.1M | $19.2M | 14.47% | 5.80% | 4.34% |
Sainte Marie State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Sainte Marie 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 Sainte Marie State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12086) · FFIEC NIC profile (RSSD 363442)