West Central 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 9.95 percentage points in Q2 2026, from 84.12% to 74.17%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, West Central Bank is 102nd of 323 on loan-to-deposit ratio, 83.84% as of Q2 2026, above the middle of the field. West Central Bank reported 83.84% on loan-to-deposit ratio for Q2 2026, 3.00 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $173.6M |
| Net loans and leases | $172.2M |
| Loans held for sale | $0 |
| Loans to total assets | 74.77% |
| Loan-to-deposit ratio | 83.84% |
| Net loans to equity capital | 7.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.03% |
| Multifamily (5+ residential) | 2.36% |
| Commercial and industrial | 14.53% |
| Consumer | 7.10% |
| Credit cards | 0.00% |
| Farm | 5.55% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 74.17% |
| Construction concentration (Tier 1 capital + allowance) | 21.40% |
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 | — |
| Interest income on loans | $3.0M |
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 | $170.7M | $183.3M | 14.67% | 19.22% | 12.38% |
| Q4 2023 | $178.2M | $184.4M | 14.32% | 18.73% | 12.15% |
| Q1 2024 | $178.5M | $191.5M | 13.97% | 19.04% | 12.13% |
| Q2 2024 | $183.3M | $191.0M | 14.08% | 15.69% | 11.72% |
| Q3 2024 | $185.9M | $198.1M | 13.69% | 15.36% | 11.59% |
| Q4 2024 | $189.2M | $199.4M | 13.79% | 12.76% | 10.26% |
| Q1 2025 | $184.7M | $201.8M | 14.12% | 12.48% | 9.93% |
| Q2 2025 | $183.8M | $203.4M | 13.32% | 12.05% | 9.39% |
| Q3 2025 | $184.4M | $204.5M | 13.29% | 11.65% | 8.69% |
| Q4 2025 | $182.8M | $208.2M | 11.98% | 14.30% | 8.19% |
| Q1 2026 | $176.9M | $212.6M | 12.43% | 15.36% | 7.50% |
| Q2 2026 | $173.6M | $207.1M | 12.03% | 14.53% | 7.10% |
West Central Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock West Central 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 West Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10853) · FFIEC NIC profile (RSSD 920733)