State Bank of Cherry: 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) climbed 5.31 percentage points in Q2 2026, from 57.54% to 62.85%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, State Bank of Cherry is 70th of 323 on loan-to-deposit ratio, 88.30% as of Q2 2026, above the middle of the field. State Bank of Cherry reported 88.30% on loan-to-deposit ratio for Q2 2026, 7.47 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $93.1M |
| Net loans and leases | $91.9M |
| Loans held for sale | $0 |
| Loans to total assets | 67.68% |
| Loan-to-deposit ratio | 88.30% |
| Net loans to equity capital | 5.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.01% |
| Multifamily (5+ residential) | 1.30% |
| Commercial and industrial | 11.03% |
| Consumer | 3.44% |
| Credit cards | 0.00% |
| Farm | 37.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 62.85% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 5.50% |
| Interest income on loans | $1.3M |
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 | $89.6M | $104.8M | 12.16% | 8.05% | 5.02% |
| Q4 2023 | $102.7M | $105.1M | 10.92% | 11.39% | 4.63% |
| Q1 2024 | $98.8M | $104.6M | 11.18% | 11.15% | 4.62% |
| Q2 2024 | $98.4M | $104.4M | 11.15% | 11.27% | 4.35% |
| Q3 2024 | $96.8M | $101.9M | 11.21% | 11.91% | 4.14% |
| Q4 2024 | $101.1M | $102.0M | 10.60% | 11.46% | 3.72% |
| Q1 2025 | $99.9M | $104.9M | 10.89% | 12.17% | 3.70% |
| Q2 2025 | $101.2M | $107.7M | 13.16% | 11.70% | 3.78% |
| Q3 2025 | $98.8M | $107.5M | 13.30% | 10.16% | 4.23% |
| Q4 2025 | $99.5M | $107.1M | 11.17% | 9.77% | 3.81% |
| Q1 2026 | $95.0M | $110.7M | 11.99% | 10.24% | 3.41% |
| Q2 2026 | $93.1M | $105.5M | 13.01% | 11.03% | 3.44% |
State Bank of Cherry loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Cherry, 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 Cherry profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11686) · FFIEC NIC profile (RSSD 258539)