The Friendship 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 Construction concentration (Tier 1 capital + allowance): 6.38 percentage points lower than in Q1 2026, at 50.92%. Within Indiana, The Friendship State Bank is 71st of 87 on loan-to-deposit ratio, 69.91% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Friendship State Bank sits 10.93 points lower, at 69.91% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $334.6M |
| Net loans and leases | $331.3M |
| Loans held for sale | $0 |
| Loans to total assets | 61.54% |
| Loan-to-deposit ratio | 69.91% |
| Net loans to equity capital | 7.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.01% |
| Multifamily (5+ residential) | 0.52% |
| Commercial and industrial | 1.46% |
| Consumer | 3.84% |
| Credit cards | 0.00% |
| Farm | 9.40% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 113.24% |
| Construction concentration (Tier 1 capital + allowance) | 50.92% |
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 | $5.4M |
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 | $288.1M | $474.9M | 14.10% | 1.73% | 3.75% |
| Q4 2023 | $293.7M | $468.2M | 13.64% | 1.82% | 3.89% |
| Q1 2024 | $292.4M | $477.2M | 13.63% | 1.64% | 3.82% |
| Q2 2024 | $297.4M | $487.5M | 13.68% | 1.67% | 4.17% |
| Q3 2024 | $302.8M | $472.2M | 13.58% | 1.63% | 4.18% |
| Q4 2024 | $311.7M | $470.3M | 14.68% | 1.81% | 4.10% |
| Q1 2025 | $312.6M | $457.8M | 14.65% | 1.61% | 4.21% |
| Q2 2025 | $317.5M | $460.1M | 15.25% | 1.75% | 4.31% |
| Q3 2025 | $322.3M | $472.8M | 15.30% | 1.55% | 4.17% |
| Q4 2025 | $326.5M | $474.8M | 15.85% | 1.59% | 3.98% |
| Q1 2026 | $330.4M | $480.6M | 16.30% | 1.60% | 3.86% |
| Q2 2026 | $334.6M | $478.7M | 18.01% | 1.46% | 3.84% |
The Friendship State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Friendship 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 The Friendship State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13130) · FFIEC NIC profile (RSSD 427241)