Town and Country Bank Midwest: 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.
Loan-to-deposit ratio climbed 5.31 percentage points in Q2 2026, from 82.32% to 87.63%. It was the largest change from Q1 2026 among the key lines here. Town and Country Bank Midwest ranks 78th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 87.63% (Q2 2026). Town and Country Bank Midwest reported 87.63% on loan-to-deposit ratio for Q2 2026, 6.80 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $207.7M |
| Net loans and leases | $205.0M |
| Loans held for sale | $0 |
| Loans to total assets | 74.38% |
| Loan-to-deposit ratio | 87.63% |
| Net loans to equity capital | 4.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.99% |
| Multifamily (5+ residential) | 1.87% |
| Commercial and industrial | 27.88% |
| Consumer | 1.93% |
| Credit cards | 0.00% |
| Farm | 8.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 69.06% |
| Construction concentration (Tier 1 capital + allowance) | 32.87% |
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 | 7.15% |
| Interest income on loans | $3.7M |
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 | $146.7M | $181.8M | 24.73% | 27.50% | 1.53% |
| Q4 2023 | $149.3M | $189.7M | 24.11% | 26.25% | 1.85% |
| Q1 2024 | $149.0M | $189.7M | 23.89% | 26.52% | 1.67% |
| Q2 2024 | $158.4M | $186.9M | 23.35% | 26.45% | 1.51% |
| Q3 2024 | $163.5M | $182.4M | 24.41% | 23.76% | 1.35% |
| Q4 2024 | $161.2M | $194.8M | 24.22% | 27.19% | 1.32% |
| Q1 2025 | $165.7M | $193.0M | 23.20% | 28.37% | 1.25% |
| Q2 2025 | $169.9M | $183.3M | 23.48% | 28.13% | 1.34% |
| Q3 2025 | $174.4M | $185.0M | 22.01% | 28.22% | 1.28% |
| Q4 2025 | $199.0M | $243.1M | 20.33% | 28.59% | 1.87% |
| Q1 2026 | $201.2M | $244.4M | 22.27% | 27.79% | 1.91% |
| Q2 2026 | $207.7M | $237.0M | 21.99% | 27.88% | 1.93% |
Town and Country Bank Midwest loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Town and Country Bank Midwest, 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 Town and Country Bank Midwest profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10460) · FFIEC NIC profile (RSSD 349343)