Scott 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) dropped 10.11 percentage points in Q2 2026, from 56.69% to 46.57%. It was the largest change from Q1 2026 among the key lines here. Scott State Bank ranks 223rd of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 66.18% (Q2 2026). Scott State Bank reported 66.18% on loan-to-deposit ratio for Q2 2026, 14.38 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $117.8M |
| Net loans and leases | $116.5M |
| Loans held for sale | $70K |
| Loans to total assets | 57.87% |
| Loan-to-deposit ratio | 66.18% |
| Net loans to equity capital | 4.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.24% |
| Multifamily (5+ residential) | 0.35% |
| Commercial and industrial | 23.13% |
| Consumer | 3.40% |
| Credit cards | 0.00% |
| Farm | 16.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.91% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 46.57% |
| Construction concentration (Tier 1 capital + allowance) | 16.71% |
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 | 6.36% |
| Interest income on loans | $1.9M |
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 | $104.7M | $180.5M | 19.15% | 18.95% | 4.35% |
| Q4 2023 | $107.6M | $182.8M | 21.02% | 17.51% | 4.92% |
| Q1 2024 | $106.0M | $181.4M | 21.23% | 17.95% | 4.84% |
| Q2 2024 | $106.8M | $178.0M | 21.25% | 18.11% | 4.67% |
| Q3 2024 | $111.9M | $181.0M | 24.42% | 18.27% | 4.70% |
| Q4 2024 | $122.5M | $176.5M | 23.92% | 22.20% | 4.31% |
| Q1 2025 | $118.8M | $179.7M | 24.40% | 22.21% | 4.21% |
| Q2 2025 | $119.6M | $176.4M | 24.78% | 21.53% | 4.01% |
| Q3 2025 | $118.4M | $180.7M | 25.27% | 21.14% | 3.84% |
| Q4 2025 | $121.0M | $177.5M | 24.39% | 23.49% | 3.44% |
| Q1 2026 | $116.4M | $182.2M | 24.93% | 23.38% | 3.52% |
| Q2 2026 | $117.8M | $178.0M | 25.24% | 23.13% | 3.40% |
Scott State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Scott 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 Scott State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8491) · FFIEC NIC profile (RSSD 443634)