First State Bank of Porter: 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 Construction concentration (Tier 1 capital + allowance): 2.46 percentage points lower than in Q1 2026, at 5.87%. On loan-to-deposit ratio, First State Bank of Porter is 4th from the bottom among 87 Indiana banks, 54.91% (Q2 2026). First State Bank of Porter reported 54.91% on loan-to-deposit ratio for Q2 2026, 25.92 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $75.9M |
| Net loans and leases | $74.9M |
| Loans held for sale | $0 |
| Loans to total assets | 46.76% |
| Loan-to-deposit ratio | 54.91% |
| Net loans to equity capital | 3.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.19% |
| Multifamily (5+ residential) | 2.11% |
| Commercial and industrial | 0.64% |
| Consumer | 0.39% |
| Credit cards | 0.00% |
| Farm | 3.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 92.63% |
| Construction concentration (Tier 1 capital + allowance) | 5.87% |
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 | 6.19% |
| Interest income on loans | $1.2M |
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 | $78.2M | $139.3M | 41.02% | 1.16% | 0.41% |
| Q4 2023 | $78.7M | $137.9M | 41.67% | 1.04% | 0.51% |
| Q1 2024 | $79.1M | $137.1M | 42.50% | 1.11% | 0.51% |
| Q2 2024 | $78.3M | $138.2M | 42.28% | 1.28% | 0.49% |
| Q3 2024 | $78.6M | $137.9M | 41.48% | 1.24% | 0.44% |
| Q4 2024 | $78.1M | $141.5M | 40.80% | 1.20% | 0.39% |
| Q1 2025 | $76.7M | $136.8M | 41.10% | 1.06% | 0.37% |
| Q2 2025 | $75.0M | $136.0M | 40.48% | 1.04% | 0.39% |
| Q3 2025 | $77.6M | $138.4M | 42.47% | 0.95% | 0.35% |
| Q4 2025 | $77.1M | $134.4M | 42.76% | 0.81% | 0.36% |
| Q1 2026 | $76.2M | $132.9M | 42.90% | 0.70% | 0.39% |
| Q2 2026 | $75.9M | $138.2M | 43.19% | 0.64% | 0.39% |
First State Bank of Porter loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank of Porter, 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 State Bank of Porter profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12836) · FFIEC NIC profile (RSSD 87047)