State Street Bank and Trust Company: 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): 5.43 percentage points lower than in Q1 2026, at 53.01%. State Street Bank and Trust Company ranks 62nd of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 89.82% (Q2 2026). State Street Bank and Trust Company reported 89.82% on loan-to-deposit ratio for Q2 2026, 8.99 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $283.4M |
| Net loans and leases | $280.1M |
| Loans held for sale | $1.2M |
| Loans to total assets | 79.36% |
| Loan-to-deposit ratio | 89.82% |
| Net loans to equity capital | 8.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.77% |
| Multifamily (5+ residential) | 3.42% |
| Commercial and industrial | 5.04% |
| Consumer | 24.75% |
| Credit cards | 0.26% |
| Farm | 11.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 53.01% |
| Construction concentration (Tier 1 capital + allowance) | 11.98% |
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 | $4.8M |
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 | $243.8M | $277.9M | 7.44% | 5.36% | 31.35% |
| Q4 2023 | $245.3M | $285.6M | 7.31% | 5.15% | 31.28% |
| Q1 2024 | $245.6M | $293.8M | 6.99% | 5.36% | 30.79% |
| Q2 2024 | $250.3M | $292.0M | 6.83% | 5.42% | 30.49% |
| Q3 2024 | $254.8M | $295.6M | 6.73% | 5.31% | 29.89% |
| Q4 2024 | $257.4M | $296.5M | 6.93% | 5.03% | 28.86% |
| Q1 2025 | $261.7M | $309.2M | 6.48% | 4.91% | 28.65% |
| Q2 2025 | $266.5M | $295.8M | 6.51% | 5.15% | 28.40% |
| Q3 2025 | $271.3M | $295.3M | 6.54% | 4.94% | 27.80% |
| Q4 2025 | $277.9M | $305.9M | 6.82% | 5.03% | 26.66% |
| Q1 2026 | $281.9M | $313.5M | 6.67% | 4.83% | 25.75% |
| Q2 2026 | $283.4M | $315.5M | 6.77% | 5.04% | 24.75% |
State Street Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Street Bank and Trust Company, 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 Street Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14857) · FFIEC NIC profile (RSSD 352745)