Grant County 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.
Construction concentration (tier 1 capital + allowance) climbed 5.52 percentage points in Q2 2026, from 11.36% to 16.88%. It was the largest change from Q1 2026 among the key lines here. Among 87 Indiana banks, Grant County State Bank sits 5th from the top on loan-to-deposit ratio, 105.64% as of Q2 2026. Grant County State Bank reported 105.64% on loan-to-deposit ratio for Q2 2026, 24.81 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $325.6M |
| Net loans and leases | $319.2M |
| Loans held for sale | $0 |
| Loans to total assets | 82.28% |
| Loan-to-deposit ratio | 105.64% |
| Net loans to equity capital | 6.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.45% |
| Multifamily (5+ residential) | 1.54% |
| Commercial and industrial | 5.38% |
| Consumer | 5.67% |
| Credit cards | 0.12% |
| Farm | 7.40% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.10% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 58.25% |
| Construction concentration (Tier 1 capital + allowance) | 16.88% |
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 | 7.86% |
| Interest income on loans | $6.3M |
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 | $240.8M | $222.2M | 12.33% | 18.84% | 7.81% |
| Q4 2023 | $252.5M | $247.4M | 11.92% | 17.93% | 7.54% |
| Q1 2024 | $255.8M | $251.2M | 15.58% | 2.79% | 7.33% |
| Q2 2024 | $268.9M | $254.0M | 14.86% | 3.98% | 7.02% |
| Q3 2024 | $285.3M | $272.2M | 15.98% | 5.30% | 7.20% |
| Q4 2024 | $286.8M | $275.4M | 16.26% | 5.44% | 7.09% |
| Q1 2025 | $292.8M | $285.0M | 15.99% | 5.46% | 6.81% |
| Q2 2025 | $314.2M | $292.4M | 14.23% | 5.70% | 6.25% |
| Q3 2025 | $319.7M | $303.5M | 16.41% | 6.52% | 6.00% |
| Q4 2025 | $311.9M | $308.7M | 16.33% | 5.57% | 6.06% |
| Q1 2026 | $315.4M | $308.3M | 16.77% | 5.16% | 5.93% |
| Q2 2026 | $325.6M | $308.2M | 16.45% | 5.38% | 5.67% |
Grant County State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Grant County 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 Grant County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15687) · FFIEC NIC profile (RSSD 933340)