The Home National Bank of Thorntown: 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 Loan-to-deposit ratio: 3.29 percentage points lower than in Q1 2026, at 77.76%. The Home National Bank of Thorntown ranks 59th of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 77.76% (Q2 2026). The Home National Bank of Thorntown reported 77.76% on loan-to-deposit ratio for Q2 2026, 3.08 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $129.8M |
| Net loans and leases | $127.9M |
| Loans held for sale | $0 |
| Loans to total assets | 69.98% |
| Loan-to-deposit ratio | 77.76% |
| Net loans to equity capital | 7.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.07% |
| Multifamily (5+ residential) | 0.36% |
| Commercial and industrial | 19.16% |
| Consumer | 2.35% |
| Credit cards | 0.00% |
| Farm | 4.77% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 30.24% |
| Construction concentration (Tier 1 capital + allowance) | 24.80% |
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 | 6.58% |
| Interest income on loans | $2.1M |
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 | $93.0M | $146.0M | 2.64% | 20.61% | 3.96% |
| Q4 2023 | $99.8M | $151.2M | 2.70% | 18.88% | 4.13% |
| Q1 2024 | $104.6M | $148.1M | 2.52% | 20.13% | 3.80% |
| Q2 2024 | $108.6M | $152.3M | 2.36% | 19.75% | 4.02% |
| Q3 2024 | $115.0M | $151.2M | 2.17% | 19.60% | 3.97% |
| Q4 2024 | $117.6M | $156.8M | 1.99% | 20.39% | 3.94% |
| Q1 2025 | $117.8M | $162.0M | 1.68% | 20.73% | 3.80% |
| Q2 2025 | $120.9M | $163.0M | 1.64% | 20.16% | 3.42% |
| Q3 2025 | $127.4M | $164.2M | 2.09% | 20.73% | 2.97% |
| Q4 2025 | $132.0M | $165.7M | 1.96% | 20.39% | 2.72% |
| Q1 2026 | $128.7M | $158.8M | 0.76% | 20.26% | 2.42% |
| Q2 2026 | $129.8M | $167.0M | 1.07% | 19.16% | 2.35% |
The Home National Bank of Thorntown loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Home National Bank of Thorntown, 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 Home National Bank of Thorntown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14225) · FFIEC NIC profile (RSSD 696645)