State Bank of Industry: 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 largest change between Q2 2026 and Q3 2026 was in Loan-to-deposit ratio, which fell 0.66 percentage points to 68.23%. State Bank of Industry ranks 214th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 68.23% (Q3 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio; State Bank of Industry reported 68.23% for Q3 2026, nearly level with it; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $38.7M |
| Net loans and leases | $38.2M |
| Loans held for sale | $0 |
| Loans to total assets | 59.46% |
| Loan-to-deposit ratio | 68.23% |
| Net loans to equity capital | 4.78% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.69% |
| Multifamily (5+ residential) | 4.16% |
| Commercial and industrial | 14.70% |
| Consumer | 5.54% |
| Credit cards | 0.00% |
| Farm | 26.56% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 41.47% |
| 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 | Q3 2026 |
|---|---|
| Yield on loans | 6.61% |
| Interest income on loans | $634K |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $35.5M | $51.4M | 3.78% | 11.20% | 5.19% |
| Q1 2024 | $36.2M | $52.9M | 3.64% | 11.04% | 5.16% |
| Q2 2024 | $37.0M | $51.7M | 4.09% | 9.78% | 5.78% |
| Q3 2024 | $38.4M | $51.8M | 4.13% | 9.71% | 6.18% |
| Q4 2024 | $37.8M | $54.5M | 4.17% | 8.88% | 6.33% |
| Q1 2025 | $36.9M | $59.6M | 4.01% | 9.67% | 6.34% |
| Q2 2025 | $37.8M | $58.7M | 3.96% | 11.44% | 6.27% |
| Q3 2025 | $36.9M | $53.6M | 5.61% | 13.15% | 6.32% |
| Q4 2025 | $40.2M | $53.9M | 6.29% | 13.44% | 5.75% |
| Q1 2026 | $38.9M | $58.4M | 6.82% | 12.89% | 5.55% |
| Q2 2026 | $38.3M | $55.6M | 6.48% | 14.73% | 5.75% |
| Q3 2026 | $38.7M | $56.7M | 6.69% | 14.70% | 5.54% |
State Bank of Industry loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Industry, 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 Industry profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10820) · FFIEC NIC profile (RSSD 944935)