Hendricks County Bank and Trust Company: 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): 14.41 percentage points higher than in Q1 2026, at 43.30%. Hendricks County Bank and Trust Company ranks 72nd of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 67.36% (Q2 2026). Hendricks County Bank and Trust Company reported 67.36% on loan-to-deposit ratio for Q2 2026, 13.58 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $152.4M |
| Net loans and leases | $150.6M |
| Loans held for sale | $0 |
| Loans to total assets | 61.60% |
| Loan-to-deposit ratio | 67.36% |
| Net loans to equity capital | 7.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.37% |
| Multifamily (5+ residential) | 3.52% |
| Commercial and industrial | 9.50% |
| Consumer | 1.66% |
| Credit cards | 0.35% |
| Farm | 2.69% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.12% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 140.28% |
| Construction concentration (Tier 1 capital + allowance) | 43.30% |
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 | 7.27% |
| Interest income on loans | $2.6M |
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 | $122.2M | $204.2M | 37.04% | 12.75% | 2.70% |
| Q4 2023 | $123.9M | $200.7M | 38.63% | 11.99% | 2.96% |
| Q1 2024 | $123.3M | $211.6M | 38.10% | 11.78% | 2.95% |
| Q2 2024 | $122.5M | $209.7M | 37.74% | 13.11% | 2.98% |
| Q3 2024 | $128.7M | $210.7M | 39.59% | 12.33% | 2.52% |
| Q4 2024 | $134.7M | $213.5M | 40.82% | 11.79% | 2.49% |
| Q1 2025 | $133.5M | $215.8M | 39.64% | 11.43% | 2.36% |
| Q2 2025 | $134.7M | $211.3M | 40.21% | 10.49% | 2.10% |
| Q3 2025 | $140.4M | $214.9M | 40.40% | 10.66% | 1.89% |
| Q4 2025 | $141.5M | $214.9M | 38.86% | 10.58% | 1.82% |
| Q1 2026 | $142.6M | $218.9M | 37.61% | 10.67% | 1.81% |
| Q2 2026 | $152.4M | $226.3M | 37.37% | 9.50% | 1.66% |
Hendricks County Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hendricks County Bank and Trust Company, 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 Hendricks County Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13111) · FFIEC NIC profile (RSSD 633640)