FCN Bank, N.A.: 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): 17.93 percentage points higher than in Q1 2026, at 247.83%. Within Indiana, FCN Bank, N.A. is 58th of 87 on loan-to-deposit ratio, 78.39% as of Q2 2026, below the middle of the field. FCN Bank, N.A. reported 78.39% on loan-to-deposit ratio for Q2 2026, 2.56 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $553.8M |
| Net loans and leases | $547.4M |
| Loans held for sale | $817K |
| Loans to total assets | 68.16% |
| Loan-to-deposit ratio | 78.39% |
| Net loans to equity capital | 8.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.75% |
| Multifamily (5+ residential) | 10.50% |
| Commercial and industrial | 8.20% |
| Consumer | 1.31% |
| Credit cards | 0.00% |
| Farm | 4.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.81% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 247.83% |
| Construction concentration (Tier 1 capital + allowance) | 63.96% |
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 | 6.24% |
| Interest income on loans | $8.4M |
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 | $474.0M | $666.8M | 29.87% | 8.78% | 1.67% |
| Q4 2023 | $481.7M | $710.0M | 28.75% | 8.37% | 1.68% |
| Q1 2024 | $481.1M | $710.1M | 28.67% | 8.36% | 1.63% |
| Q2 2024 | $488.5M | $712.9M | 28.56% | 8.04% | 1.65% |
| Q3 2024 | $487.7M | $748.4M | 28.12% | 7.97% | 1.66% |
| Q4 2024 | $489.9M | $708.3M | 28.57% | 8.53% | 1.59% |
| Q1 2025 | $490.5M | $702.9M | 28.66% | 8.73% | 1.56% |
| Q2 2025 | $497.7M | $693.8M | 28.60% | 8.31% | 1.64% |
| Q3 2025 | $499.3M | $676.0M | 28.60% | 8.39% | 1.64% |
| Q4 2025 | $511.7M | $683.4M | 28.60% | 8.04% | 1.44% |
| Q1 2026 | $526.8M | $696.8M | 28.89% | 8.70% | 1.30% |
| Q2 2026 | $553.8M | $706.5M | 29.75% | 8.20% | 1.31% |
FCN Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock FCN Bank, N.A., 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 FCN Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4319) · FFIEC NIC profile (RSSD 321947)