Hoosier Heartland 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.
Cre concentration (tier 1 capital + allowance) dropped 4.90 percentage points in Q2 2026, from 105.97% to 101.07%. It was the largest change from Q1 2026 among the key lines here. Hoosier Heartland State Bank ranks 50th of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 80.87% (Q2 2026). At 80.87%, Hoosier Heartland State Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $264.7M |
| Net loans and leases | $261.4M |
| Loans held for sale | $0 |
| Loans to total assets | 74.28% |
| Loan-to-deposit ratio | 80.87% |
| Net loans to equity capital | 10.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.05% |
| Multifamily (5+ residential) | 1.97% |
| Commercial and industrial | 4.82% |
| Consumer | 3.92% |
| Credit cards | 0.55% |
| Farm | 31.56% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.61% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 101.07% |
| Construction concentration (Tier 1 capital + allowance) | 18.93% |
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 | 6.79% |
| Interest income on loans | $4.4M |
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 | $207.4M | $275.6M | 15.62% | 6.70% | 6.62% |
| Q4 2023 | $217.3M | $294.9M | 17.51% | 6.01% | 6.31% |
| Q1 2024 | $222.1M | $296.2M | 17.13% | 5.72% | 6.15% |
| Q2 2024 | $224.7M | $306.1M | 17.71% | 5.52% | 5.98% |
| Q3 2024 | $227.1M | $304.3M | 17.78% | 5.50% | 5.90% |
| Q4 2024 | $232.8M | $308.9M | 17.98% | 6.07% | 5.61% |
| Q1 2025 | $233.7M | $305.0M | 18.64% | 5.98% | 5.49% |
| Q2 2025 | $238.5M | $306.0M | 18.47% | 5.56% | 5.33% |
| Q3 2025 | $251.9M | $311.6M | 18.98% | 5.39% | 4.92% |
| Q4 2025 | $266.3M | $309.9M | 20.41% | 5.51% | 4.49% |
| Q1 2026 | $262.5M | $317.6M | 22.37% | 5.46% | 4.10% |
| Q2 2026 | $264.7M | $327.3M | 22.05% | 4.82% | 3.92% |
Hoosier Heartland State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hoosier Heartland 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 Hoosier Heartland State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15566) · FFIEC NIC profile (RSSD 157744)