Tompkins 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.
CRE concentration (Tier 1 capital + allowance) dropped 6.84 percentage points in Q2 2026, from 45.12% to 38.28%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Tompkins State Bank is 242nd of 323 on loan-to-deposit ratio, 61.79% as of Q2 2026. Tompkins State Bank reported 61.79% on loan-to-deposit ratio for Q2 2026, 18.76 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $169.5M |
| Net loans and leases | $168.1M |
| Loans held for sale | $0 |
| Loans to total assets | 55.84% |
| Loan-to-deposit ratio | 61.79% |
| Net loans to equity capital | 5.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.60% |
| Multifamily (5+ residential) | 1.86% |
| Commercial and industrial | 19.55% |
| Consumer | 1.91% |
| Credit cards | 0.00% |
| Farm | 20.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.51% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 38.28% |
| Construction concentration (Tier 1 capital + allowance) | 15.77% |
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 | $2.5M |
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 | $154.1M | $271.7M | 9.94% | 16.51% | 2.63% |
| Q4 2023 | $159.0M | $261.9M | 10.11% | 16.36% | 2.57% |
| Q1 2024 | $160.3M | $265.0M | 10.23% | 19.49% | 2.57% |
| Q2 2024 | $158.9M | $257.9M | 10.35% | 18.98% | 2.54% |
| Q3 2024 | $155.0M | $257.1M | 10.18% | 17.98% | 2.55% |
| Q4 2024 | $154.1M | $257.2M | 10.15% | 17.01% | 2.58% |
| Q1 2025 | $156.1M | $270.0M | 9.71% | 20.92% | 2.38% |
| Q2 2025 | $156.1M | $258.7M | 10.18% | 20.04% | 2.25% |
| Q3 2025 | $161.6M | $273.0M | 11.11% | 18.37% | 2.18% |
| Q4 2025 | $171.9M | $276.1M | 13.66% | 17.84% | 1.89% |
| Q1 2026 | $165.9M | $275.6M | 14.56% | 19.27% | 1.89% |
| Q2 2026 | $169.5M | $274.3M | 14.60% | 19.55% | 1.91% |
Tompkins State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Tompkins 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 Tompkins State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10849) · FFIEC NIC profile (RSSD 609832)