State 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.
Loan-to-deposit ratio climbed 8.75 percentage points in Q2 2026, from 68.75% to 77.50%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, State Bank is 148th of 323 on loan-to-deposit ratio, 77.50% as of Q2 2026. State Bank reported 77.50% on loan-to-deposit ratio for Q2 2026, 3.05 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $206.9M |
| Net loans and leases | $204.7M |
| Loans held for sale | $0 |
| Loans to total assets | 69.94% |
| Loan-to-deposit ratio | 77.50% |
| Net loans to equity capital | 9.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.48% |
| Multifamily (5+ residential) | 2.34% |
| Commercial and industrial | 6.98% |
| Consumer | 0.75% |
| Credit cards | 0.00% |
| Farm | 8.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.34% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 235.50% |
| Construction concentration (Tier 1 capital + allowance) | 82.09% |
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 | 6.33% |
| Interest income on loans | $3.2M |
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 | $186.3M | $236.5M | 47.11% | 8.06% | 1.39% |
| Q4 2023 | $185.3M | $240.2M | 46.66% | 7.88% | 1.41% |
| Q1 2024 | $182.5M | $240.4M | 46.35% | 7.55% | 1.45% |
| Q2 2024 | $179.8M | $252.4M | 46.13% | 7.87% | 1.88% |
| Q3 2024 | $178.3M | $244.6M | 45.63% | 7.73% | 1.57% |
| Q4 2024 | $179.5M | $251.8M | 45.00% | 7.85% | 1.44% |
| Q1 2025 | $176.8M | $255.9M | 44.49% | 7.70% | 1.34% |
| Q2 2025 | $184.5M | $259.9M | 44.72% | 7.36% | 1.22% |
| Q3 2025 | $191.8M | $260.8M | 41.61% | 7.88% | 1.12% |
| Q4 2025 | $201.0M | $260.7M | 42.12% | 8.16% | 0.98% |
| Q1 2026 | $200.5M | $291.6M | 42.32% | 6.29% | 0.83% |
| Q2 2026 | $206.9M | $267.0M | 41.48% | 6.98% | 0.75% |
State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12706) · FFIEC NIC profile (RSSD 266244)