Centrebank: 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): 17.89 percentage points lower than in Q1 2026, at 51.31%. Within Indiana, Centrebank is 20th of 87 on loan-to-deposit ratio, 92.42% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Centrebank sits 11.87 points higher, at 92.42% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $91.6M |
| Net loans and leases | $90.2M |
| Loans held for sale | $375K |
| Loans to total assets | 76.31% |
| Loan-to-deposit ratio | 92.42% |
| Net loans to equity capital | 4.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.47% |
| Multifamily (5+ residential) | 0.20% |
| Commercial and industrial | 17.83% |
| Consumer | 4.35% |
| Credit cards | 0.00% |
| Farm | 22.40% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 51.31% |
| Construction concentration (Tier 1 capital + allowance) | 39.31% |
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 | 7.50% |
| Interest income on loans | $1.7M |
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 | $64.4M | $88.6M | 18.89% | 20.32% | 4.86% |
| Q4 2023 | $63.7M | $87.3M | 18.80% | 19.04% | 5.09% |
| Q1 2024 | $65.8M | $85.0M | 18.08% | 20.96% | 5.03% |
| Q2 2024 | $67.3M | $81.4M | 17.91% | 19.24% | 5.13% |
| Q3 2024 | $71.1M | $84.6M | 15.94% | 19.47% | 4.79% |
| Q4 2024 | $73.7M | $86.7M | 15.22% | 20.27% | 4.84% |
| Q1 2025 | $78.8M | $88.9M | 14.09% | 19.55% | 4.52% |
| Q2 2025 | $85.5M | $92.1M | 13.65% | 17.56% | 5.32% |
| Q3 2025 | $87.8M | $93.8M | 12.95% | 16.85% | 4.84% |
| Q4 2025 | $91.9M | $91.7M | 13.24% | 16.06% | 4.40% |
| Q1 2026 | $94.1M | $98.2M | 12.52% | 16.50% | 4.41% |
| Q2 2026 | $91.6M | $99.1M | 12.47% | 17.83% | 4.35% |
Centrebank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Centrebank, 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 Centrebank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15532) · FFIEC NIC profile (RSSD 163343)