Security Bank, S.B.: 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 7.20 percentage points in Q2 2026, from 207.97% to 200.78%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Security Bank, S.B. is 175th of 323 on loan-to-deposit ratio, 74.13% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Security Bank, S.B. sits 6.42 points lower, at 74.13% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $137.5M |
| Net loans and leases | $136.3M |
| Loans held for sale | $0 |
| Loans to total assets | 56.24% |
| Loan-to-deposit ratio | 74.13% |
| Net loans to equity capital | 6.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.17% |
| Multifamily (5+ residential) | 1.53% |
| Commercial and industrial | 11.80% |
| Consumer | 2.16% |
| Credit cards | 0.00% |
| Farm | 3.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 200.78% |
| Construction concentration (Tier 1 capital + allowance) | 17.19% |
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 | 6.91% |
| Interest income on loans | $2.3M |
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 | $110.5M | $177.7M | 38.70% | 9.23% | 5.65% |
| Q4 2023 | $109.4M | $178.4M | 38.20% | 8.95% | 5.50% |
| Q1 2024 | $109.7M | $215.6M | 38.16% | 8.90% | 4.86% |
| Q2 2024 | $107.9M | $204.7M | 37.59% | 9.36% | 4.70% |
| Q3 2024 | $113.6M | $228.7M | 43.06% | 7.76% | 4.03% |
| Q4 2024 | $114.2M | $200.0M | 47.18% | 7.58% | 4.02% |
| Q1 2025 | $111.8M | $201.9M | 47.79% | 7.80% | 3.64% |
| Q2 2025 | $112.8M | $200.5M | 46.68% | 7.90% | 3.48% |
| Q3 2025 | $115.4M | $180.5M | 46.80% | 8.42% | 3.64% |
| Q4 2025 | $118.9M | $197.5M | 45.78% | 10.52% | 2.80% |
| Q1 2026 | $130.0M | $193.5M | 46.45% | 8.87% | 2.83% |
| Q2 2026 | $137.5M | $185.5M | 44.17% | 11.80% | 2.16% |
Security Bank, S.B. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank, S.B., 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 Security Bank, S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27723) · FFIEC NIC profile (RSSD 218878)