First National 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): 4.10 percentage points higher than in Q1 2026, at 78.34%. On loan-to-deposit ratio, First National Bank is 6th from the bottom among 87 Indiana banks, 59.66% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First National Bank sits 21.18 points lower, at 59.66% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $228.5M |
| Net loans and leases | $224.2M |
| Loans held for sale | $0 |
| Loans to total assets | 54.60% |
| Loan-to-deposit ratio | 59.66% |
| Net loans to equity capital | 6.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.37% |
| Multifamily (5+ residential) | 1.49% |
| Commercial and industrial | 9.05% |
| Consumer | 2.27% |
| Credit cards | 0.12% |
| Farm | 15.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.84% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 78.34% |
| Construction concentration (Tier 1 capital + allowance) | 30.40% |
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 | 5.83% |
| Interest income on loans | $3.3M |
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 | $194.6M | $379.4M | 24.41% | 9.67% | 3.28% |
| Q4 2023 | $194.7M | $381.5M | 24.50% | 9.96% | 3.18% |
| Q1 2024 | $197.8M | $374.5M | 24.15% | 9.34% | 3.08% |
| Q2 2024 | $205.9M | $379.7M | 22.81% | 9.52% | 3.03% |
| Q3 2024 | $205.1M | $375.3M | 22.98% | 10.47% | 3.01% |
| Q4 2024 | $211.1M | $381.7M | 22.57% | 12.10% | 2.82% |
| Q1 2025 | $201.9M | $371.8M | 23.49% | 9.57% | 2.81% |
| Q2 2025 | $206.6M | $391.1M | 22.94% | 11.64% | 3.40% |
| Q3 2025 | $212.1M | $382.6M | 21.90% | 11.98% | 2.65% |
| Q4 2025 | $225.9M | $390.7M | 20.14% | 13.50% | 2.52% |
| Q1 2026 | $218.4M | $384.8M | 22.19% | 9.11% | 2.38% |
| Q2 2026 | $228.5M | $383.1M | 22.37% | 9.05% | 2.27% |
First National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4324) · FFIEC NIC profile (RSSD 60648)