First Harrison 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): 7.25 percentage points lower than in Q1 2026, at 162.64%. On loan-to-deposit ratio, First Harrison Bank is 7th from the bottom among 87 Indiana banks, 59.67% (Q2 2026). First Harrison Bank reported 59.67% on loan-to-deposit ratio for Q2 2026, 28.54 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $680.2M |
| Net loans and leases | $669.4M |
| Loans held for sale | $1.3M |
| Loans to total assets | 52.82% |
| Loan-to-deposit ratio | 59.67% |
| Net loans to equity capital | 4.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.23% |
| Multifamily (5+ residential) | 8.41% |
| Commercial and industrial | 9.72% |
| Consumer | 6.20% |
| Credit cards | 0.00% |
| Farm | 1.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 162.64% |
| Construction concentration (Tier 1 capital + allowance) | 42.39% |
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 | 6.42% |
| Interest income on loans | $10.8M |
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 | $611.5M | $1.02B | 27.07% | 10.19% | 8.16% |
| Q4 2023 | $623.2M | $1.03B | 26.18% | 10.37% | 7.95% |
| Q1 2024 | $630.4M | $1.01B | 26.81% | 10.07% | 7.68% |
| Q2 2024 | $640.8M | $1.02B | 26.79% | 10.09% | 7.49% |
| Q3 2024 | $640.2M | $1.03B | 26.63% | 9.82% | 7.19% |
| Q4 2024 | $641.0M | $1.07B | 27.90% | 9.78% | 7.02% |
| Q1 2025 | $652.8M | $1.09B | 27.90% | 9.70% | 6.86% |
| Q2 2025 | $660.5M | $1.11B | 27.48% | 9.72% | 6.72% |
| Q3 2025 | $653.2M | $1.10B | 29.69% | 9.59% | 6.83% |
| Q4 2025 | $665.7M | $1.13B | 30.01% | 9.31% | 6.52% |
| Q1 2026 | $675.5M | $1.14B | 29.56% | 9.73% | 6.28% |
| Q2 2026 | $680.2M | $1.14B | 30.23% | 9.72% | 6.20% |
First Harrison Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Harrison 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 First Harrison Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31223) · FFIEC NIC profile (RSSD 716374)