Crossroads 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): 4.77 percentage points lower than in Q1 2026, at 102.95%. Crossroads Bank ranks 46th of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 83.13% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Crossroads Bank reported 83.13% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $456.2M |
| Net loans and leases | $450.2M |
| Loans held for sale | $1.2M |
| Loans to total assets | 74.04% |
| Loan-to-deposit ratio | 83.13% |
| Net loans to equity capital | 8.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.89% |
| Multifamily (5+ residential) | 3.62% |
| Commercial and industrial | 8.04% |
| Consumer | 2.29% |
| Credit cards | 0.00% |
| Farm | 7.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.43% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 102.95% |
| Construction concentration (Tier 1 capital + allowance) | 36.76% |
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 | 5.13% |
| Interest income on loans | $5.8M |
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 | $401.1M | $493.8M | 15.20% | 7.56% | 3.73% |
| Q4 2023 | $410.5M | $503.9M | 16.03% | 7.37% | 3.64% |
| Q1 2024 | $416.2M | $504.2M | 16.61% | 7.38% | 3.45% |
| Q2 2024 | $418.0M | $520.8M | 15.80% | 7.43% | 3.30% |
| Q3 2024 | $424.3M | $528.6M | 15.55% | 7.18% | 3.23% |
| Q4 2024 | $428.1M | $532.3M | 15.35% | 7.61% | 3.11% |
| Q1 2025 | $427.8M | $506.9M | 15.26% | 7.57% | 3.10% |
| Q2 2025 | $428.8M | $512.1M | 15.67% | 7.41% | 3.02% |
| Q3 2025 | $431.6M | $490.4M | 14.75% | 7.71% | 2.82% |
| Q4 2025 | $441.9M | $517.2M | 14.01% | 7.66% | 2.65% |
| Q1 2026 | $450.0M | $533.4M | 14.94% | 7.90% | 2.48% |
| Q2 2026 | $456.2M | $548.8M | 14.89% | 8.04% | 2.29% |
Crossroads Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Crossroads 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 Crossroads Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29839) · FFIEC NIC profile (RSSD 228279)