State Bank of Bement: 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) climbed 8.20 percentage points in Q2 2026, from 4.77% to 12.97%. It was the largest change from Q1 2026 among the key lines here. State Bank of Bement ranks 226th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 65.90% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. State Bank of Bement sits 14.94 points lower, at 65.90% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $109.3M |
| Net loans and leases | $108.1M |
| Loans held for sale | $0 |
| Loans to total assets | 58.92% |
| Loan-to-deposit ratio | 65.90% |
| Net loans to equity capital | 5.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.95% |
| Multifamily (5+ residential) | 0.79% |
| Commercial and industrial | 25.87% |
| Consumer | 8.24% |
| Credit cards | 0.36% |
| Farm | 9.55% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 120.23% |
| Construction concentration (Tier 1 capital + allowance) | 12.97% |
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 | 6.64% |
| Interest income on loans | $1.8M |
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 | $90.8M | $150.2M | 5.64% | 35.42% | 9.51% |
| Q4 2023 | $100.8M | $146.8M | 4.56% | 44.97% | 9.06% |
| Q1 2024 | $97.7M | $148.2M | 15.33% | 23.65% | 9.60% |
| Q2 2024 | $102.1M | $148.3M | 27.28% | 21.58% | 9.23% |
| Q3 2024 | $105.4M | $149.7M | 27.47% | 21.75% | 8.74% |
| Q4 2024 | $111.0M | $147.3M | 28.54% | 18.57% | 8.58% |
| Q1 2025 | $104.8M | $151.1M | 18.01% | 21.06% | 8.93% |
| Q2 2025 | $106.7M | $153.3M | 17.48% | 22.63% | 9.34% |
| Q3 2025 | $115.2M | $160.5M | 20.04% | 25.97% | 8.45% |
| Q4 2025 | $119.4M | $158.5M | 20.53% | 27.01% | 7.66% |
| Q1 2026 | $110.3M | $165.8M | 21.07% | 29.25% | 8.19% |
| Q2 2026 | $109.3M | $165.9M | 18.95% | 25.87% | 8.24% |
State Bank of Bement loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Bement, 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 of Bement profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10855) · FFIEC NIC profile (RSSD 439730)