The Hometown Savings 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 CRE concentration (Tier 1 capital + allowance): 5.88 percentage points lower than in Q1 2026, at 206.56%. The Hometown Savings Bank ranks 67th of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 72.35% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Hometown Savings Bank sits 8.60 points lower, at 72.35% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $293.9M |
| Net loans and leases | $290.8M |
| Loans held for sale | $0 |
| Loans to total assets | 64.51% |
| Loan-to-deposit ratio | 72.35% |
| Net loans to equity capital | 10.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.67% |
| Multifamily (5+ residential) | 11.12% |
| Commercial and industrial | 4.36% |
| Consumer | 1.17% |
| Credit cards | 0.00% |
| Farm | 4.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 206.56% |
| Construction concentration (Tier 1 capital + allowance) | 15.58% |
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 | 6.04% |
| Interest income on loans | $4.5M |
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 | $239.9M | $340.1M | 24.60% | 8.39% | 1.44% |
| Q4 2023 | $257.5M | $377.0M | 24.75% | 7.66% | 1.31% |
| Q1 2024 | $257.2M | $389.0M | 24.73% | 7.67% | 1.27% |
| Q2 2024 | $261.7M | $402.4M | 24.08% | 7.24% | 1.41% |
| Q3 2024 | $265.5M | $403.9M | 24.88% | 6.98% | 1.43% |
| Q4 2024 | $273.2M | $414.2M | 24.56% | 5.39% | 1.34% |
| Q1 2025 | $272.8M | $417.7M | 23.96% | 5.45% | 1.53% |
| Q2 2025 | $282.4M | $426.0M | 23.69% | 5.21% | 1.32% |
| Q3 2025 | $286.5M | $400.5M | 23.75% | 4.86% | 1.17% |
| Q4 2025 | $293.0M | $395.5M | 23.75% | 4.08% | 1.15% |
| Q1 2026 | $295.9M | $413.2M | 23.25% | 3.78% | 1.18% |
| Q2 2026 | $293.9M | $406.3M | 22.67% | 4.36% | 1.17% |
The Hometown Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Hometown Savings 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 Hometown Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17736) · FFIEC NIC profile (RSSD 697147)