The State Bank of Pearl City: 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): 5.46 percentage points higher than in Q1 2026, at 15.48%. Within Illinois, The State Bank of Pearl City is 285th of 323 on loan-to-deposit ratio, 49.56% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The State Bank of Pearl City sits 18.06 points lower, at 49.56% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $32.6M |
| Net loans and leases | $31.8M |
| Loans held for sale | $0 |
| Loans to total assets | 44.37% |
| Loan-to-deposit ratio | 49.56% |
| Net loans to equity capital | 4.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.01% |
| Multifamily (5+ residential) | 1.78% |
| Commercial and industrial | 2.30% |
| Consumer | 40.39% |
| Credit cards | 0.00% |
| Farm | 3.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 15.48% |
| Construction concentration (Tier 1 capital + allowance) | 6.44% |
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 | $590K |
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 | $36.3M | $73.1M | 5.64% | 2.76% | 56.83% |
| Q4 2023 | $36.8M | $71.3M | 5.36% | 2.46% | 55.67% |
| Q1 2024 | $36.8M | $74.8M | 5.22% | 2.39% | 55.02% |
| Q2 2024 | $35.9M | $81.5M | 4.47% | 2.09% | 54.49% |
| Q3 2024 | $35.6M | $72.8M | 4.48% | 2.01% | 52.85% |
| Q4 2024 | $33.8M | $68.2M | 4.80% | 1.94% | 51.27% |
| Q1 2025 | $33.1M | $62.8M | 4.87% | 2.21% | 48.87% |
| Q2 2025 | $32.3M | $65.6M | 4.82% | 2.38% | 45.38% |
| Q3 2025 | $32.8M | $68.9M | 6.15% | 2.46% | 45.19% |
| Q4 2025 | $32.1M | $61.9M | 8.66% | 2.59% | 42.16% |
| Q1 2026 | $32.2M | $60.7M | 12.73% | 2.36% | 39.87% |
| Q2 2026 | $32.6M | $65.7M | 14.01% | 2.30% | 40.39% |
The State Bank of Pearl City loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The State Bank of Pearl City, 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 Pearl City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16344) · FFIEC NIC profile (RSSD 923949)