Fowler 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 CRE concentration (Tier 1 capital + allowance): 2.52 percentage points lower than in Q1 2026, at 10.41%. Fowler State Bank ranks 39th of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 86.15% (Q2 2026). Fowler State Bank reported 86.15% on loan-to-deposit ratio for Q2 2026, 5.60 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $128.6M |
| Net loans and leases | $127.0M |
| Loans held for sale | $0 |
| Loans to total assets | 67.58% |
| Loan-to-deposit ratio | 86.15% |
| Net loans to equity capital | 4.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.74% |
| Multifamily (5+ residential) | 0.34% |
| Commercial and industrial | 28.38% |
| Consumer | 8.04% |
| Credit cards | 0.92% |
| Farm | 7.71% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 10.41% |
| Construction concentration (Tier 1 capital + allowance) | 5.66% |
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 | 6.81% |
| Interest income on loans | $2.2M |
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 | $101.3M | $167.2M | 4.45% | 22.91% | 10.79% |
| Q4 2023 | $108.1M | $167.4M | 5.86% | 23.42% | 10.47% |
| Q1 2024 | $106.4M | $167.3M | 4.55% | 23.99% | 11.10% |
| Q2 2024 | $108.2M | $160.7M | 4.29% | 27.17% | 10.32% |
| Q3 2024 | $114.2M | $156.5M | 4.40% | 26.88% | 10.11% |
| Q4 2024 | $121.1M | $157.6M | 4.52% | 26.59% | 10.20% |
| Q1 2025 | $120.0M | $157.8M | 4.49% | 28.86% | 10.07% |
| Q2 2025 | $125.8M | $150.8M | 4.30% | 29.63% | 9.38% |
| Q3 2025 | $127.3M | $148.4M | 4.06% | 29.22% | 9.18% |
| Q4 2025 | $128.4M | $154.0M | 3.98% | 28.61% | 9.05% |
| Q1 2026 | $128.5M | $152.2M | 3.73% | 28.92% | 8.66% |
| Q2 2026 | $128.6M | $149.3M | 3.74% | 28.38% | 8.04% |
Fowler State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fowler 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 Fowler State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1821) · FFIEC NIC profile (RSSD 554343)