The Fairmount 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 Loan-to-deposit ratio: 2.56 percentage points higher than in Q1 2026, at 91.00%. The Fairmount State Bank ranks 26th of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 91.00% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Fairmount State Bank sits 23.37 points higher, at 91.00% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $44.6M |
| Net loans and leases | $43.5M |
| Loans held for sale | $0 |
| Loans to total assets | 78.23% |
| Loan-to-deposit ratio | 91.00% |
| Net loans to equity capital | 6.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.17% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.83% |
| Consumer | 13.06% |
| Credit cards | 0.41% |
| Farm | 15.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 2.65% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 5.89% |
| Interest income on loans | $660K |
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 | $42.0M | $46.5M | 3.66% | 5.37% | 15.96% |
| Q4 2023 | $43.3M | $47.5M | 4.15% | 4.60% | 15.13% |
| Q1 2024 | $40.5M | $49.1M | 4.40% | 4.25% | 15.98% |
| Q2 2024 | $40.5M | $48.2M | 4.33% | 4.46% | 15.73% |
| Q3 2024 | $41.7M | $47.7M | 4.34% | 4.09% | 15.43% |
| Q4 2024 | $43.1M | $49.5M | 4.15% | 3.76% | 15.53% |
| Q1 2025 | $42.3M | $50.7M | 4.16% | 3.97% | 14.77% |
| Q2 2025 | $44.0M | $49.9M | 4.56% | 4.47% | 14.55% |
| Q3 2025 | $46.1M | $48.8M | 4.34% | 4.77% | 14.87% |
| Q4 2025 | $45.7M | $47.4M | 4.64% | 5.32% | 14.90% |
| Q1 2026 | $44.9M | $50.8M | 5.08% | 5.65% | 13.24% |
| Q2 2026 | $44.6M | $49.0M | 5.17% | 5.83% | 13.06% |
The Fairmount State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fairmount 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 The Fairmount State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1829) · FFIEC NIC profile (RSSD 503547)