Southern Illinois 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.
Construction concentration (tier 1 capital + allowance) dropped 2.50 percentage points in Q2 2026, from 8.37% to 5.87%. It was the largest change from Q1 2026 among the key lines here. Southern Illinois Bank ranks 232nd of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 64.43% (Q2 2026). Southern Illinois Bank reported 64.43% on loan-to-deposit ratio for Q2 2026, 16.41 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $73.5M |
| Net loans and leases | $72.5M |
| Loans held for sale | $0 |
| Loans to total assets | 53.87% |
| Loan-to-deposit ratio | 64.43% |
| Net loans to equity capital | 3.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.56% |
| Multifamily (5+ residential) | 8.11% |
| Commercial and industrial | 13.70% |
| Consumer | 3.38% |
| Credit cards | 0.00% |
| Farm | 9.51% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 8.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 29.25% |
| Construction concentration (Tier 1 capital + allowance) | 5.87% |
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 | 6.51% |
| Interest income on loans | $1.2M |
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 | $91.7M | $128.3M | 33.36% | 17.99% | 2.46% |
| Q4 2023 | $91.4M | $124.7M | 34.87% | 18.45% | 2.33% |
| Q1 2024 | $90.0M | $125.5M | 35.50% | 18.13% | 2.39% |
| Q2 2024 | $89.5M | $122.8M | 35.29% | 18.13% | 2.31% |
| Q3 2024 | $91.2M | $126.5M | 34.03% | 20.25% | 2.14% |
| Q4 2024 | $95.3M | $122.8M | 34.05% | 24.14% | 2.05% |
| Q1 2025 | $93.1M | $121.5M | 33.61% | 24.21% | 1.98% |
| Q2 2025 | $88.3M | $128.6M | 30.36% | 25.62% | 2.00% |
| Q3 2025 | $85.8M | $121.1M | 33.51% | 22.85% | 2.08% |
| Q4 2025 | $81.4M | $115.9M | 36.87% | 17.41% | 2.01% |
| Q1 2026 | $73.7M | $116.3M | 37.51% | 14.71% | 2.14% |
| Q2 2026 | $73.5M | $114.1M | 36.56% | 13.70% | 3.38% |
Southern Illinois Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Illinois 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 Southern Illinois Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35229) · FFIEC NIC profile (RSSD 2847085)