Spring Valley City 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 2.05 percentage points higher than in Q1 2026, at 49.99%. Within Illinois, Spring Valley City Bank is 204th of 323 on loan-to-deposit ratio, 69.99% as of Q2 2026, below the middle of the field. Spring Valley City Bank reported 69.99% on loan-to-deposit ratio for Q2 2026, 10.85 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $125.4M |
| Net loans and leases | $123.8M |
| Loans held for sale | $0 |
| Loans to total assets | 60.58% |
| Loan-to-deposit ratio | 69.99% |
| Net loans to equity capital | 4.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.37% |
| Multifamily (5+ residential) | 2.78% |
| Commercial and industrial | 18.06% |
| Consumer | 4.06% |
| Credit cards | 0.17% |
| Farm | 18.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.40% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 49.99% |
| Construction concentration (Tier 1 capital + allowance) | 13.98% |
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 | — |
| Interest income on loans | $1.7M |
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 | $137.8M | $173.4M | 20.22% | 21.39% | 3.94% |
| Q4 2023 | $139.3M | $174.4M | 19.77% | 19.28% | 4.03% |
| Q1 2024 | $134.8M | $175.3M | 18.91% | 19.48% | 4.17% |
| Q2 2024 | $134.9M | $173.6M | 18.66% | 19.66% | 4.17% |
| Q3 2024 | $131.4M | $173.9M | 18.64% | 20.25% | 3.18% |
| Q4 2024 | $134.3M | $175.5M | 20.72% | 19.17% | 3.10% |
| Q1 2025 | $133.4M | $176.0M | 21.70% | 19.08% | 3.15% |
| Q2 2025 | $127.3M | $175.6M | 20.87% | 19.64% | 3.56% |
| Q3 2025 | $126.3M | $174.0M | 20.09% | 19.34% | 3.57% |
| Q4 2025 | $128.7M | $183.2M | 20.12% | 18.57% | 3.53% |
| Q1 2026 | $124.9M | $181.3M | 21.03% | 17.89% | 3.49% |
| Q2 2026 | $125.4M | $179.1M | 21.37% | 18.06% | 4.06% |
Spring Valley City Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Spring Valley City 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 Spring Valley City Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12087) · FFIEC NIC profile (RSSD 452841)