Solutions 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 5.76 percentage points in Q2 2026, from 124.76% to 119.00%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Solutions Bank is 235th of 323 on loan-to-deposit ratio, 64.07% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Solutions Bank sits 16.48 points lower, at 64.07% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $246.8M |
| Net loans and leases | $244.6M |
| Loans held for sale | $0 |
| Loans to total assets | 50.21% |
| Loan-to-deposit ratio | 64.07% |
| Net loans to equity capital | 8.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.57% |
| Multifamily (5+ residential) | 2.10% |
| Commercial and industrial | 8.42% |
| Consumer | 0.24% |
| Credit cards | 0.00% |
| Farm | 24.60% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 119.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.81% |
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 | 6.22% |
| Interest income on loans | $3.8M |
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 | $238.5M | $423.3M | 26.05% | 10.24% | 0.66% |
| Q4 2023 | $254.8M | $398.9M | 27.54% | 8.74% | 0.54% |
| Q1 2024 | $252.5M | $390.7M | 27.30% | 8.66% | 0.50% |
| Q2 2024 | $255.1M | $394.9M | 31.79% | 7.37% | 0.46% |
| Q3 2024 | $256.9M | $401.0M | 31.61% | 7.63% | 0.43% |
| Q4 2024 | $258.5M | $382.9M | 31.62% | 6.81% | 0.38% |
| Q1 2025 | $253.5M | $401.3M | 31.56% | 7.82% | 0.35% |
| Q2 2025 | $248.7M | $375.1M | 32.55% | 8.03% | 0.35% |
| Q3 2025 | $241.9M | $381.8M | 32.31% | 8.20% | 0.32% |
| Q4 2025 | $249.0M | $376.4M | 31.86% | 7.98% | 0.28% |
| Q1 2026 | $241.1M | $379.0M | 31.54% | 7.70% | 0.28% |
| Q2 2026 | $246.8M | $385.2M | 29.57% | 8.42% | 0.24% |
Solutions Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Solutions 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 Solutions Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11741) · FFIEC NIC profile (RSSD 927134)