Time 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): 28.24 percentage points lower than in Q1 2026, at 221.35%. Time Bank ranks 91st of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 85.59% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Time Bank sits 5.04 points higher, at 85.59% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $520.6M |
| Net loans and leases | $511.3M |
| Loans held for sale | $0 |
| Loans to total assets | 73.04% |
| Loan-to-deposit ratio | 85.59% |
| Net loans to equity capital | 5.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.97% |
| Multifamily (5+ residential) | 22.46% |
| Commercial and industrial | 3.02% |
| Consumer | 0.13% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 221.35% |
| Construction concentration (Tier 1 capital + allowance) | 54.17% |
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 | $8.3M |
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 | $363.8M | $375.3M | 6.95% | 2.44% | 0.02% |
| Q4 2023 | $387.3M | $365.9M | 7.32% | 2.28% | 0.07% |
| Q1 2024 | $383.5M | $378.2M | 7.33% | 1.88% | 0.06% |
| Q2 2024 | $360.0M | $379.6M | 7.63% | 1.89% | 0.06% |
| Q3 2024 | $366.5M | $392.5M | 7.40% | 2.24% | 0.06% |
| Q4 2024 | $450.3M | $603.7M | 18.16% | 4.31% | 0.10% |
| Q1 2025 | $467.1M | $600.2M | 19.18% | 3.77% | 0.15% |
| Q2 2025 | $463.4M | $601.8M | 19.56% | 4.07% | 0.17% |
| Q3 2025 | $483.8M | $603.5M | 19.68% | 3.84% | 0.16% |
| Q4 2025 | $488.2M | $587.2M | 18.85% | 3.39% | 0.16% |
| Q1 2026 | $477.8M | $628.6M | 20.38% | 3.34% | 0.16% |
| Q2 2026 | $520.6M | $608.2M | 17.97% | 3.02% | 0.13% |
Time Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Time 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 Time Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34038) · FFIEC NIC profile (RSSD 2316714)