Teutopolis State 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 5.21 percentage points lower than in Q1 2026, at 62.23%. Teutopolis State Bank ranks 248th of 323 Illinois banks on loan-to-deposit ratio, in the lower half at 59.24% (Q2 2026). Teutopolis State Bank reported 59.24% on loan-to-deposit ratio for Q2 2026, 21.31 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $183.1M |
| Net loans and leases | $180.6M |
| Loans held for sale | $0 |
| Loans to total assets | 51.06% |
| Loan-to-deposit ratio | 59.24% |
| Net loans to equity capital | 3.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.18% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 12.71% |
| Consumer | 3.27% |
| Credit cards | 0.00% |
| Farm | 9.90% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.40% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 62.23% |
| Construction concentration (Tier 1 capital + allowance) | 13.23% |
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 | 6.06% |
| Interest income on loans | $2.8M |
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 | $166.3M | $280.5M | 34.12% | 11.23% | 4.77% |
| Q4 2023 | $170.0M | $292.6M | 33.09% | 11.05% | 4.52% |
| Q1 2024 | $171.7M | $285.1M | 34.70% | 11.03% | 4.63% |
| Q2 2024 | $174.2M | $294.3M | 35.04% | 11.81% | 4.50% |
| Q3 2024 | $179.3M | $298.6M | 34.04% | 13.39% | 4.39% |
| Q4 2024 | $180.1M | $307.7M | 33.35% | 13.55% | 4.13% |
| Q1 2025 | $178.3M | $309.6M | 33.59% | 12.94% | 4.11% |
| Q2 2025 | $180.4M | $326.0M | 32.54% | 13.24% | 3.92% |
| Q3 2025 | $178.5M | $300.5M | 32.70% | 12.37% | 4.18% |
| Q4 2025 | $179.6M | $307.5M | 32.87% | 10.91% | 3.87% |
| Q1 2026 | $182.8M | $308.5M | 32.70% | 12.00% | 3.34% |
| Q2 2026 | $183.1M | $309.0M | 32.18% | 12.71% | 3.27% |
Teutopolis State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Teutopolis State 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 Teutopolis State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11708) · FFIEC NIC profile (RSSD 134848)