Village Bank & Trust, N.A.: 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) climbed 20.08 percentage points in Q2 2026, from 116.06% to 136.14%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Village Bank & Trust, N.A. is 43rd of 323 on loan-to-deposit ratio, 94.53% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Village Bank & Trust, N.A. sits 6.32 points higher, at 94.53% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.80B |
| Net loans and leases | $2.77B |
| Loans held for sale | $0 |
| Loans to total assets | 77.18% |
| Loan-to-deposit ratio | 94.53% |
| Net loans to equity capital | 7.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.72% |
| Multifamily (5+ residential) | 3.92% |
| Commercial and industrial | 43.34% |
| Consumer | 12.69% |
| 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) | 136.14% |
| Construction concentration (Tier 1 capital + allowance) | 30.87% |
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 | 5.68% |
| Interest income on loans | $38.9M |
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 | $2.06B | $2.17B | 15.18% | 46.71% | 21.89% |
| Q4 2023 | $2.07B | $2.14B | 15.01% | 46.26% | 22.13% |
| Q1 2024 | $2.12B | $2.17B | 14.99% | 46.34% | 22.11% |
| Q2 2024 | $2.17B | $2.38B | 14.91% | 45.55% | 22.32% |
| Q3 2024 | $2.28B | $2.38B | 14.47% | 46.89% | 20.56% |
| Q4 2024 | $2.47B | $2.57B | 13.81% | 48.29% | 19.68% |
| Q1 2025 | $2.45B | $2.57B | 13.10% | 47.95% | 20.11% |
| Q2 2025 | $2.49B | $2.64B | 13.25% | 46.32% | 20.33% |
| Q3 2025 | $2.58B | $2.80B | 12.63% | 40.36% | 18.89% |
| Q4 2025 | $2.67B | $2.87B | 12.76% | 40.00% | 18.50% |
| Q1 2026 | $2.69B | $2.83B | 13.37% | 38.84% | 18.51% |
| Q2 2026 | $2.80B | $2.96B | 13.72% | 43.34% | 12.69% |
Village Bank & Trust, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Village Bank & Trust, N.A., 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 Village Bank & Trust, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34011) · FFIEC NIC profile (RSSD 2298995)