Sicily Island State Bank: Loan Modifications and Restructuring
Data as of · Call Report Schedules RC-C Memoranda and RC-N How we update
Loans whose terms were changed for a borrower in financial difficulty. Modification postpones a loss rather than removing it, so a modified book growing faster than the non-performing book is worth reading as an early signal rather than a clean bill of health.
In Q2 2026, Loans 90+ days past due to loans edged down by 0.07 percentage points, from 0.08% to 0.01%, the largest move among the key lines here.
Modified loans
| Line item | Q2 2026 |
|---|---|
| Modified loans and leases | $190K |
| Modified loans to total loans | 0.26% |
| Non-performing assets excluding restructured loans, to assets | 0.10% |
Read against the non-performing book
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to total loans | 0.39% |
| Nonaccrual loans to loans | 0.13% |
| Loans 90+ days past due to loans | 0.01% |
| Net charge-off ratio | -0.08% |
| Allowance for credit losses to loans | 1.01% |
Shown side by side so the modified share can be compared with recognised non-performing loans and with what has already been charged off.
Loan Modifications and Restructuring trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
A modified share rising while the non-performing share stays flat is the pattern worth investigating.
Loan Modifications and Restructuring by quarter
| Quarter | Modified loans | Non-performing loans | Net charge-offs |
|---|---|---|---|
| Q3 2023 | 3.95% | 4.22% | -0.23% |
| Q4 2023 | 2.72% | 3.10% | 0.04% |
| Q1 2024 | 2.65% | 2.97% | 0.01% |
| Q2 2024 | 3.58% | 4.42% | 0.05% |
| Q3 2024 | 3.73% | 3.98% | 0.00% |
| Q4 2024 | 3.75% | 3.94% | 0.01% |
| Q1 2025 | 2.75% | 2.83% | -0.01% |
| Q2 2025 | 3.32% | 4.10% | 0.07% |
| Q3 2025 | 3.22% | 3.55% | 0.06% |
| Q4 2025 | 1.00% | 1.06% | 0.04% |
| Q1 2026 | 0.28% | 0.42% | -0.03% |
| Q2 2026 | 0.26% | 0.39% | -0.08% |
Sicily Island State Bank loan modifications and restructuring, all the way back
Loan Modifications and Restructuring back to 2001 · peer percentiles on every line item · Excel export
Unlock Sicily Island State Bank, freeSource: Call Report Schedules RC-C Memoranda and RC-N, 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 Sicily Island State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12722) · FFIEC NIC profile (RSSD 1002458)