State Bank of the Lakes, N.A.: 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): 15.51 percentage points higher than in Q1 2026, at 148.59%. State Bank of the Lakes, N.A. ranks 75th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 87.74% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; State Bank of the Lakes, N.A. reported 87.74% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.09B |
| Net loans and leases | $2.08B |
| Loans held for sale | $0 |
| Loans to total assets | 74.31% |
| Loan-to-deposit ratio | 87.74% |
| Net loans to equity capital | 7.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.72% |
| Multifamily (5+ residential) | 4.20% |
| Commercial and industrial | 37.81% |
| Consumer | 19.61% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 148.59% |
| Construction concentration (Tier 1 capital + allowance) | 36.44% |
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 | 5.77% |
| Interest income on loans | $28.7M |
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 | $1.49B | $1.65B | 10.28% | 40.94% | 30.36% |
| Q4 2023 | $1.48B | $1.61B | 10.51% | 41.20% | 29.72% |
| Q1 2024 | $1.56B | $1.66B | 10.62% | 44.05% | 27.42% |
| Q2 2024 | $1.64B | $1.79B | 12.17% | 42.52% | 25.50% |
| Q3 2024 | $1.66B | $1.79B | 13.12% | 41.65% | 25.10% |
| Q4 2024 | $1.67B | $1.78B | 13.50% | 37.30% | 25.37% |
| Q1 2025 | $1.67B | $1.78B | 14.86% | 36.01% | 26.56% |
| Q2 2025 | $1.83B | $1.97B | 13.71% | 38.05% | 24.10% |
| Q3 2025 | $1.84B | $2.02B | 13.51% | 38.74% | 22.04% |
| Q4 2025 | $1.87B | $2.08B | 13.76% | 37.37% | 21.84% |
| Q1 2026 | $2.00B | $2.26B | 13.31% | 38.63% | 20.96% |
| Q2 2026 | $2.09B | $2.38B | 13.72% | 37.81% | 19.61% |
State Bank of the Lakes, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of the Lakes, N.A., 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 the Lakes, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5744) · FFIEC NIC profile (RSSD 595430)