The Bippus 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): 7.84 percentage points higher than in Q1 2026, at 87.90%. The Bippus State Bank ranks 27th of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 90.99% (Q2 2026). The Bippus State Bank reported 90.99% on loan-to-deposit ratio for Q2 2026, 10.15 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $356.6M |
| Net loans and leases | $352.9M |
| Loans held for sale | $2.1M |
| Loans to total assets | 77.70% |
| Loan-to-deposit ratio | 90.99% |
| Net loans to equity capital | 7.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.31% |
| Multifamily (5+ residential) | 2.55% |
| Commercial and industrial | 11.21% |
| Consumer | 1.01% |
| Credit cards | 0.00% |
| Farm | 17.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 87.90% |
| Construction concentration (Tier 1 capital + allowance) | 39.39% |
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 | 6.74% |
| Interest income on loans | $5.9M |
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 | $273.0M | $284.5M | 16.95% | 13.25% | 2.03% |
| Q4 2023 | $279.9M | $296.3M | 17.25% | 12.51% | 1.93% |
| Q1 2024 | $283.7M | $298.3M | 16.94% | 12.09% | 1.82% |
| Q2 2024 | $293.2M | $319.6M | 16.87% | 12.67% | 1.75% |
| Q3 2024 | $294.6M | $320.4M | 15.91% | 12.63% | 1.66% |
| Q4 2024 | $305.2M | $308.4M | 15.77% | 11.52% | 1.51% |
| Q1 2025 | $319.2M | $326.6M | 15.34% | 12.34% | 1.37% |
| Q2 2025 | $330.1M | $333.1M | 14.55% | 12.17% | 1.31% |
| Q3 2025 | $340.8M | $342.6M | 16.51% | 11.93% | 1.16% |
| Q4 2025 | $352.0M | $341.0M | 15.52% | 11.25% | 1.16% |
| Q1 2026 | $342.7M | $365.2M | 16.03% | 11.43% | 1.07% |
| Q2 2026 | $356.6M | $391.9M | 16.31% | 11.21% | 1.01% |
The Bippus State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bippus 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 The Bippus State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1847) · FFIEC NIC profile (RSSD 443148)