Campbell & Fetter 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.
Construction concentration (tier 1 capital + allowance) climbed 1.92 percentage points in Q2 2026, from 7.27% to 9.19%. It was the largest change from Q1 2026 among the key lines here. Campbell & Fetter Bank ranks 44th of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 83.47% (Q2 2026). Campbell & Fetter Bank reported 83.47% on loan-to-deposit ratio for Q2 2026, 2.64 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $238.4M |
| Net loans and leases | $236.4M |
| Loans held for sale | $0 |
| Loans to total assets | 67.16% |
| Loan-to-deposit ratio | 83.47% |
| Net loans to equity capital | 6.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.06% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.50% |
| Consumer | 5.37% |
| Credit cards | 0.00% |
| Farm | 0.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 15.29% |
| Construction concentration (Tier 1 capital + allowance) | 9.19% |
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 | 5.24% |
| Interest income on loans | $3.1M |
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 | $184.6M | $265.6M | 2.54% | 5.70% | 9.48% |
| Q4 2023 | $195.4M | $266.3M | 2.63% | 6.21% | 9.22% |
| Q1 2024 | $196.9M | $259.1M | 2.67% | 5.15% | 9.02% |
| Q2 2024 | $202.8M | $250.5M | 2.69% | 3.19% | 8.88% |
| Q3 2024 | $209.3M | $246.6M | 2.53% | 3.37% | 8.45% |
| Q4 2024 | $217.1M | $245.2M | 2.30% | 4.25% | 8.23% |
| Q1 2025 | $220.0M | $252.4M | 2.19% | 4.54% | 7.64% |
| Q2 2025 | $226.1M | $246.6M | 1.86% | 4.55% | 7.07% |
| Q3 2025 | $224.5M | $282.8M | 2.03% | 3.64% | 6.69% |
| Q4 2025 | $233.2M | $285.8M | 1.93% | 5.77% | 5.83% |
| Q1 2026 | $234.7M | $286.4M | 2.20% | 5.89% | 5.54% |
| Q2 2026 | $238.4M | $285.6M | 2.06% | 5.50% | 5.37% |
Campbell & Fetter Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Campbell & Fetter 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 Campbell & Fetter Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16757) · FFIEC NIC profile (RSSD 398248)