Stillman Banccorp, 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 Loan-to-deposit ratio: 3.74 percentage points higher than in Q1 2026, at 53.10%. Stillman Banccorp, N.A. ranks 269th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 53.10% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Stillman Banccorp, N.A. sits 27.45 points lower, at 53.10% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $303.2M |
| Net loans and leases | $300.3M |
| Loans held for sale | $370K |
| Loans to total assets | 46.95% |
| Loan-to-deposit ratio | 53.10% |
| Net loans to equity capital | 6.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.93% |
| Multifamily (5+ residential) | 5.64% |
| Commercial and industrial | 16.18% |
| Consumer | 1.50% |
| Credit cards | 0.37% |
| Farm | 7.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.29% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 147.61% |
| Construction concentration (Tier 1 capital + allowance) | 25.85% |
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 | 6.05% |
| Interest income on loans | $4.4M |
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 | $198.9M | $505.9M | 27.54% | 15.17% | 2.82% |
| Q4 2023 | $205.6M | $526.6M | 26.79% | 14.38% | 2.74% |
| Q1 2024 | $205.1M | $533.5M | 27.37% | 14.05% | 2.71% |
| Q2 2024 | $212.7M | $529.2M | 26.56% | 14.64% | 2.74% |
| Q3 2024 | $227.5M | $520.8M | 29.09% | 13.64% | 2.82% |
| Q4 2024 | $234.9M | $538.5M | 29.79% | 13.37% | 2.75% |
| Q1 2025 | $238.2M | $554.1M | 30.38% | 14.04% | 2.58% |
| Q2 2025 | $256.8M | $546.8M | 33.00% | 14.91% | 2.33% |
| Q3 2025 | $264.0M | $536.4M | 32.79% | 14.51% | 1.99% |
| Q4 2025 | $287.0M | $554.4M | 35.08% | 13.79% | 1.71% |
| Q1 2026 | $281.7M | $570.6M | 34.96% | 14.64% | 1.67% |
| Q2 2026 | $303.2M | $570.9M | 34.93% | 16.18% | 1.50% |
Stillman Banccorp, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Stillman Banccorp, 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 Stillman Banccorp, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9263) · FFIEC NIC profile (RSSD 407645)