Community 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 State and political subdivisions: 3.14 percentage points higher than in Q1 2026, at 11.04%. Community State Bank has the 8th lowest loan-to-deposit ratio of the 87 banks headquartered in Indiana, at 59.69% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Community State Bank sits 21.26 points lower, at 59.69% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $95.8M |
| Net loans and leases | $94.8M |
| Loans held for sale | $0 |
| Loans to total assets | 54.49% |
| Loan-to-deposit ratio | 59.69% |
| Net loans to equity capital | 6.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.59% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.49% |
| Consumer | 6.42% |
| Credit cards | 0.00% |
| Farm | 25.81% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 11.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 8.00% |
| Construction concentration (Tier 1 capital + allowance) | 7.01% |
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 | 5.93% |
| Interest income on loans | $1.3M |
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 | $78.0M | $152.4M | 0.90% | 9.36% | 6.91% |
| Q4 2023 | $82.2M | $158.0M | 2.06% | 10.50% | 7.06% |
| Q1 2024 | $82.5M | $158.4M | 1.13% | 10.73% | 7.27% |
| Q2 2024 | $86.1M | $162.9M | 3.19% | 9.45% | 7.36% |
| Q3 2024 | $86.0M | $157.9M | 3.11% | 8.63% | 7.90% |
| Q4 2024 | $88.0M | $168.5M | 3.10% | 8.79% | 7.56% |
| Q1 2025 | $84.8M | $162.4M | 3.37% | 8.24% | 7.35% |
| Q2 2025 | $87.4M | $158.9M | 3.18% | 8.18% | 7.50% |
| Q3 2025 | $87.6M | $153.2M | 3.19% | 7.68% | 7.34% |
| Q4 2025 | $87.1M | $157.7M | 3.19% | 7.78% | 6.93% |
| Q1 2026 | $88.2M | $153.8M | 3.12% | 7.45% | 6.66% |
| Q2 2026 | $95.8M | $160.6M | 2.59% | 7.49% | 6.42% |
Community State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 Community State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1839) · FFIEC NIC profile (RSSD 987848)