State Bank of Whittington: 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.
Cre concentration (tier 1 capital + allowance) dropped 9.78 percentage points in Q2 2026, from 54.49% to 44.71%. It was the largest change from Q1 2026 among the key lines here. State Bank of Whittington ranks 156th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 76.24% (Q2 2026). State Bank of Whittington reported 76.24% on loan-to-deposit ratio for Q2 2026, 4.59 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $121.8M |
| Net loans and leases | $120.3M |
| Loans held for sale | $0 |
| Loans to total assets | 67.60% |
| Loan-to-deposit ratio | 76.24% |
| Net loans to equity capital | 6.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.89% |
| Multifamily (5+ residential) | 1.32% |
| Commercial and industrial | 24.13% |
| Consumer | 23.56% |
| Credit cards | 0.00% |
| Farm | 3.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 44.71% |
| Construction concentration (Tier 1 capital + allowance) | 10.47% |
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 | 6.83% |
| Interest income on loans | $2.1M |
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 | $101.0M | $159.0M | 23.64% | 23.00% | 26.74% |
| Q4 2023 | $102.3M | $159.8M | 23.01% | 21.82% | 27.86% |
| Q1 2024 | $103.9M | $159.0M | 23.52% | 22.74% | 27.12% |
| Q2 2024 | $108.5M | $156.3M | 22.48% | 17.94% | 29.52% |
| Q3 2024 | $110.7M | $154.3M | 16.05% | 17.82% | 30.07% |
| Q4 2024 | $112.3M | $155.8M | 15.60% | 18.97% | 28.03% |
| Q1 2025 | $114.4M | $154.1M | 15.19% | 20.67% | 29.82% |
| Q2 2025 | $112.4M | $155.6M | 15.21% | 22.00% | 26.48% |
| Q3 2025 | $114.6M | $158.1M | 14.79% | 23.71% | 25.68% |
| Q4 2025 | $119.6M | $158.1M | 16.13% | 24.06% | 24.49% |
| Q1 2026 | $119.8M | $159.5M | 16.09% | 23.85% | 24.45% |
| Q2 2026 | $121.8M | $159.7M | 16.89% | 24.13% | 23.56% |
State Bank of Whittington loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Whittington, 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 Whittington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19689) · FFIEC NIC profile (RSSD 270148)