Warren-Boynton 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 1.16 percentage points lower than in Q1 2026, at 87.17%. Within Illinois, Warren-Boynton State Bank is 99th of 323 on loan-to-deposit ratio, 84.25% as of Q2 2026, above the middle of the field. Warren-Boynton State Bank reported 84.25% on loan-to-deposit ratio for Q2 2026, 3.41 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $169.6M |
| Net loans and leases | $167.9M |
| Loans held for sale | $0 |
| Loans to total assets | 72.34% |
| Loan-to-deposit ratio | 84.25% |
| Net loans to equity capital | 6.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.36% |
| Multifamily (5+ residential) | 4.10% |
| Commercial and industrial | 21.09% |
| Consumer | 2.05% |
| Credit cards | 0.00% |
| Farm | 9.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 87.17% |
| Construction concentration (Tier 1 capital + allowance) | 13.75% |
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 | 6.29% |
| Interest income on loans | $2.7M |
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 | $186.5M | $215.9M | 13.87% | 26.37% | 2.39% |
| Q4 2023 | $190.2M | $212.3M | 13.10% | 25.39% | 2.47% |
| Q1 2024 | $189.1M | $222.5M | 13.42% | 26.77% | 2.49% |
| Q2 2024 | $191.5M | $216.2M | 14.72% | 26.05% | 2.47% |
| Q3 2024 | $195.7M | $215.4M | 14.93% | 26.14% | 2.45% |
| Q4 2024 | $193.8M | $217.4M | 12.66% | 25.77% | 2.34% |
| Q1 2025 | $192.3M | $226.7M | 13.06% | 26.85% | 2.30% |
| Q2 2025 | $194.0M | $216.7M | 12.82% | 28.74% | 2.12% |
| Q3 2025 | $190.9M | $215.7M | 11.30% | 29.16% | 1.90% |
| Q4 2025 | $172.2M | $197.4M | 13.13% | 20.71% | 2.06% |
| Q1 2026 | $172.4M | $203.6M | 13.13% | 20.93% | 2.10% |
| Q2 2026 | $169.6M | $201.4M | 12.36% | 21.09% | 2.05% |
Warren-Boynton State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Warren-Boynton 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 Warren-Boynton State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11674) · FFIEC NIC profile (RSSD 837448)