Home Bank SB: 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 largest change between Q1 2026 and Q2 2026 was in Commercial real estate (nonfarm nonresidential), which rose 0.65 percentage points to 24.09%. Within Indiana, Home Bank SB is 69th of 87 on loan-to-deposit ratio, 70.42% 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. Home Bank SB sits 10.42 points lower, at 70.42% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $261.2M |
| Net loans and leases | $258.3M |
| Loans held for sale | $431K |
| Loans to total assets | 60.30% |
| Loan-to-deposit ratio | 70.42% |
| Net loans to equity capital | 6.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.09% |
| Multifamily (5+ residential) | 2.62% |
| Commercial and industrial | 2.23% |
| Consumer | 1.06% |
| Credit cards | 0.00% |
| Farm | 0.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 109.04% |
| Construction concentration (Tier 1 capital + allowance) | 30.28% |
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 | 5.91% |
| Interest income on loans | $3.8M |
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 | $212.6M | $346.4M | 22.52% | 3.80% | 1.89% |
| Q4 2023 | $220.7M | $349.9M | 21.60% | 5.16% | 1.68% |
| Q1 2024 | $219.1M | $354.1M | 21.02% | 4.81% | 1.69% |
| Q2 2024 | $225.9M | $360.6M | 21.97% | 3.27% | 1.65% |
| Q3 2024 | $230.7M | $356.0M | 23.31% | 3.12% | 1.57% |
| Q4 2024 | $239.9M | $361.5M | 22.96% | 3.84% | 1.48% |
| Q1 2025 | $245.2M | $362.3M | 22.20% | 3.45% | 1.42% |
| Q2 2025 | $256.7M | $364.9M | 22.24% | 3.61% | 1.33% |
| Q3 2025 | $256.1M | $355.3M | 22.07% | 2.60% | 1.29% |
| Q4 2025 | $258.1M | $360.9M | 22.09% | 2.36% | 1.16% |
| Q1 2026 | $260.0M | $368.9M | 23.44% | 1.62% | 1.05% |
| Q2 2026 | $261.2M | $370.9M | 24.09% | 2.23% | 1.06% |
Home Bank SB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Bank SB, 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 Home Bank SB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29881) · FFIEC NIC profile (RSSD 1015270)