Streator Home Savings Bank: 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) climbed 1.51 percentage points in Q2 2026, from 0.91% to 2.42%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Streator Home Savings Bank is 14th from the bottom among 323 Illinois banks, 37.59% (Q2 2026). Streator Home Savings Bank's loan-to-deposit ratio of 37.59% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 43.25 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $40.0M |
| Net loans and leases | $39.7M |
| Loans held for sale | $0 |
| Loans to total assets | 29.20% |
| Loan-to-deposit ratio | 37.59% |
| Net loans to equity capital | 1.38% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.83% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 5.62% |
| Credit cards | 0.00% |
| Farm | 0.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 2.42% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 5.18% |
| Interest income on loans | $518K |
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 | $36.7M | $115.3M | 0.54% | 0.00% | 5.45% |
| Q4 2023 | $36.5M | $114.1M | 0.50% | 0.00% | 5.32% |
| Q1 2024 | $36.5M | $116.2M | 0.57% | 0.00% | 5.47% |
| Q2 2024 | $37.1M | $115.3M | 0.53% | 0.00% | 5.28% |
| Q3 2024 | $38.0M | $111.8M | 0.48% | 0.00% | 5.23% |
| Q4 2024 | $38.2M | $108.9M | 0.45% | 0.00% | 5.84% |
| Q1 2025 | $38.2M | $109.0M | 0.40% | 0.00% | 5.79% |
| Q2 2025 | $39.7M | $108.9M | 1.90% | 0.00% | 5.65% |
| Q3 2025 | $39.3M | $108.4M | 1.93% | 0.00% | 5.79% |
| Q4 2025 | $40.1M | $105.2M | 1.86% | 0.00% | 5.45% |
| Q1 2026 | $40.0M | $106.7M | 1.84% | 0.00% | 5.33% |
| Q2 2026 | $40.0M | $106.5M | 1.83% | 0.00% | 5.62% |
Streator Home Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Streator Home Savings Bank, 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 Streator Home Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30357) · FFIEC NIC profile (RSSD 142179)