Town Center 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 Construction concentration (Tier 1 capital + allowance): 7.80 percentage points higher than in Q1 2026, at 34.38%. Among 323 Illinois banks, Town Center Bank sits 13th from the top on loan-to-deposit ratio, 102.79% as of Q2 2026. Town Center Bank reported 102.79% on loan-to-deposit ratio for Q2 2026, 21.96 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $142.2M |
| Net loans and leases | $140.6M |
| Loans held for sale | $0 |
| Loans to total assets | 78.69% |
| Loan-to-deposit ratio | 102.79% |
| Net loans to equity capital | 6.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.53% |
| Multifamily (5+ residential) | 11.80% |
| Commercial and industrial | 21.77% |
| Consumer | 1.71% |
| Credit cards | 0.00% |
| Farm | 0.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 293.95% |
| Construction concentration (Tier 1 capital + allowance) | 34.38% |
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 | 6.70% |
| Interest income on loans | $2.3M |
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 | $109.7M | $100.3M | 46.95% | 26.82% | 2.92% |
| Q4 2023 | $109.0M | $109.7M | 47.08% | 24.10% | 2.78% |
| Q1 2024 | $112.5M | $104.2M | 46.28% | 24.85% | 2.54% |
| Q2 2024 | $119.5M | $115.0M | 46.05% | 24.43% | 2.33% |
| Q3 2024 | $117.6M | $124.2M | 44.66% | 23.31% | 2.27% |
| Q4 2024 | $118.1M | $124.9M | 42.58% | 25.46% | 2.17% |
| Q1 2025 | $114.5M | $127.9M | 43.24% | 22.64% | 2.06% |
| Q2 2025 | $125.5M | $121.3M | 46.64% | 22.23% | 1.52% |
| Q3 2025 | $128.0M | $121.6M | 47.81% | 20.69% | 2.75% |
| Q4 2025 | $132.2M | $134.3M | 47.06% | 18.97% | 2.40% |
| Q1 2026 | $134.5M | $132.4M | 48.19% | 18.65% | 2.02% |
| Q2 2026 | $142.2M | $138.3M | 46.53% | 21.77% | 1.71% |
Town Center Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Town Center 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 Town Center Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58214) · FFIEC NIC profile (RSSD 3459216)