Community First Bank of Indiana: 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): 11.83 percentage points higher than in Q1 2026, at 334.93%. Within Indiana, Community First Bank of Indiana is 9th of 87 on loan-to-deposit ratio, 99.65% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Community First Bank of Indiana sits 18.71 points higher, at 99.65% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $811.3M |
| Net loans and leases | $796.4M |
| Loans held for sale | $71.4M |
| Loans to total assets | 82.76% |
| Loan-to-deposit ratio | 99.65% |
| Net loans to equity capital | 7.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.83% |
| Multifamily (5+ residential) | 3.82% |
| Commercial and industrial | 15.70% |
| Consumer | 0.90% |
| Credit cards | 0.00% |
| Farm | 0.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 334.93% |
| Construction concentration (Tier 1 capital + allowance) | 153.40% |
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 | 9.94% |
| Interest income on loans | $20.0M |
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 | $597.5M | $619.1M | 37.33% | 16.04% | 2.73% |
| Q4 2023 | $601.8M | $607.9M | 37.92% | 16.50% | 2.98% |
| Q1 2024 | $607.8M | $609.1M | 40.41% | 15.03% | 2.40% |
| Q2 2024 | $639.3M | $644.3M | 39.25% | 15.52% | 2.11% |
| Q3 2024 | $660.7M | $652.6M | 39.60% | 15.45% | 1.86% |
| Q4 2024 | $697.7M | $691.5M | 38.87% | 16.17% | 1.59% |
| Q1 2025 | $718.9M | $698.8M | 39.84% | 15.17% | 1.81% |
| Q2 2025 | $734.4M | $737.2M | 39.40% | 15.45% | 1.58% |
| Q3 2025 | $765.5M | $758.9M | 38.66% | 15.87% | 1.33% |
| Q4 2025 | $772.5M | $767.6M | 38.46% | 16.29% | 1.17% |
| Q1 2026 | $797.4M | $791.0M | 40.40% | 15.50% | 1.01% |
| Q2 2026 | $811.3M | $814.1M | 39.83% | 15.70% | 0.90% |
Community First Bank of Indiana loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community First Bank of Indiana, 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 Community First Bank of Indiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57511) · FFIEC NIC profile (RSSD 3165357)