Servbank, N.A.: 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.
Loans held for sale climbed 118.6% in Q2 2026, from $2.8M to $6.0M. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Servbank, N.A. is 77th of 323 on loan-to-deposit ratio, 87.67% as of Q2 2026, above the middle of the field. At 87.67%, Servbank, N.A.'s loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.07B |
| Net loans and leases | $1.06B |
| Loans held for sale | $6.0M |
| Loans to total assets | 62.87% |
| Loan-to-deposit ratio | 87.67% |
| Net loans to equity capital | 4.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.23% |
| Multifamily (5+ residential) | 9.28% |
| Commercial and industrial | 4.99% |
| Consumer | 0.42% |
| Credit cards | 0.00% |
| Farm | 1.38% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.17% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 266.13% |
| Construction concentration (Tier 1 capital + allowance) | 48.48% |
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 | 7.05% |
| Interest income on loans | $19.7M |
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 | $125.5M | $456.7M | 5.94% | 2.44% | 0.58% |
| Q4 2023 | $151.0M | $378.3M | 5.73% | 3.16% | 0.34% |
| Q1 2024 | $171.0M | $425.6M | 5.14% | 3.19% | 0.26% |
| Q2 2024 | $196.8M | $473.0M | 4.80% | 2.64% | 0.19% |
| Q3 2024 | $217.2M | $534.1M | 5.56% | 5.38% | 0.13% |
| Q4 2024 | $264.0M | $456.6M | 19.82% | 12.40% | 0.07% |
| Q1 2025 | $294.8M | $507.7M | 33.97% | 0.53% | 0.05% |
| Q2 2025 | $368.6M | $546.6M | 40.08% | 1.60% | 0.03% |
| Q3 2025 | $472.8M | $672.9M | 49.14% | 1.30% | 0.02% |
| Q4 2025 | $541.7M | $637.7M | 52.76% | 2.51% | 0.01% |
| Q1 2026 | $1.15B | $1.24B | 41.16% | 6.40% | 0.46% |
| Q2 2026 | $1.07B | $1.22B | 43.23% | 4.99% | 0.42% |
Servbank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Servbank, N.A., 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 Servbank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 55130) · FFIEC NIC profile (RSSD 2140348)