The State Bank of Geneva: 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.
Loans to total assets climbed 3.80 percentage points in Q2 2026, from 65.85% to 69.66%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, The State Bank of Geneva is 140th of 323 on loan-to-deposit ratio, 78.64% as of Q2 2026, above the middle of the field. At 78.64%, The State Bank of Geneva's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $80.9M |
| Net loans and leases | $79.3M |
| Loans held for sale | $0 |
| Loans to total assets | 69.66% |
| Loan-to-deposit ratio | 78.64% |
| Net loans to equity capital | 6.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 49.21% |
| Multifamily (5+ residential) | 5.39% |
| Commercial and industrial | 7.11% |
| Consumer | 4.61% |
| Credit cards | 0.00% |
| Farm | 0.62% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 162.65% |
| Construction concentration (Tier 1 capital + allowance) | 0.28% |
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 | $1.2M |
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 | $64.3M | $92.7M | 50.54% | 7.30% | 0.22% |
| Q4 2023 | $65.4M | $93.2M | 51.49% | 7.43% | 0.23% |
| Q1 2024 | $66.1M | $94.0M | 51.07% | 6.86% | 0.19% |
| Q2 2024 | $67.7M | $93.4M | 49.55% | 8.91% | 0.35% |
| Q3 2024 | $69.1M | $96.8M | 50.66% | 8.70% | 0.41% |
| Q4 2024 | $70.9M | $96.2M | 49.46% | 8.97% | 0.32% |
| Q1 2025 | $71.6M | $101.9M | 48.52% | 8.24% | 0.37% |
| Q2 2025 | $73.3M | $104.8M | 47.16% | 10.64% | 0.35% |
| Q3 2025 | $75.2M | $104.1M | 49.31% | 9.78% | 1.74% |
| Q4 2025 | $78.9M | $106.0M | 48.00% | 9.84% | 2.95% |
| Q1 2026 | $82.0M | $108.3M | 48.24% | 10.10% | 2.87% |
| Q2 2026 | $80.9M | $102.9M | 49.21% | 7.11% | 4.61% |
The State Bank of Geneva loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank of Geneva, 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 The State Bank of Geneva profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 925) · FFIEC NIC profile (RSSD 991135)