State Bank of Graymont: 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): 6.09 percentage points higher than in Q1 2026, at 157.70%. Within Illinois, State Bank of Graymont is 185th of 323 on loan-to-deposit ratio, 72.66% as of Q2 2026, below the middle of the field. State Bank of Graymont reported 72.66% on loan-to-deposit ratio for Q2 2026, 8.18 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $196.8M |
| Net loans and leases | $194.4M |
| Loans held for sale | $0 |
| Loans to total assets | 62.93% |
| Loan-to-deposit ratio | 72.66% |
| Net loans to equity capital | 5.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.56% |
| Multifamily (5+ residential) | 2.90% |
| Commercial and industrial | 9.97% |
| Consumer | 1.41% |
| Credit cards | 0.00% |
| Farm | 29.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.40% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 157.70% |
| 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 | 5.98% |
| Interest income on loans | $2.8M |
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 | $178.6M | $268.6M | 30.53% | 5.20% | 2.76% |
| Q4 2023 | $183.4M | $266.4M | 29.26% | 5.11% | 2.55% |
| Q1 2024 | $183.5M | $264.4M | 31.32% | 4.75% | 2.41% |
| Q2 2024 | $190.0M | $255.9M | 29.95% | 6.84% | 2.20% |
| Q3 2024 | $201.3M | $260.4M | 28.35% | 9.98% | 2.04% |
| Q4 2024 | $191.7M | $280.9M | 29.44% | 6.87% | 2.12% |
| Q1 2025 | $182.0M | $285.3M | 30.40% | 5.32% | 2.08% |
| Q2 2025 | $186.9M | $280.3M | 29.52% | 6.05% | 1.90% |
| Q3 2025 | $192.1M | $268.2M | 26.34% | 8.70% | 1.76% |
| Q4 2025 | $187.8M | $282.1M | 27.51% | 6.55% | 1.70% |
| Q1 2026 | $188.3M | $281.6M | 28.92% | 6.25% | 1.50% |
| Q2 2026 | $196.8M | $270.8M | 29.56% | 9.97% | 1.41% |
State Bank of Graymont loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Graymont, 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 Graymont profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10434) · FFIEC NIC profile (RSSD 937339)