Independent 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.
Loan-to-deposit ratio dropped 9.83 percentage points in Q2 2026, from 92.19% to 82.36%. It was the largest change from Q1 2026 among the key lines here. Within Tennessee, Independent Bank is 59th of 109 on loan-to-deposit ratio, 82.36% as of Q2 2026, below the middle of the field. Independent Bank reported 82.36% on loan-to-deposit ratio for Q2 2026, 5.85 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.33B |
| Net loans and leases | $1.32B |
| Loans held for sale | $2.0M |
| Loans to total assets | 71.90% |
| Loan-to-deposit ratio | 82.36% |
| Net loans to equity capital | 6.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.06% |
| Multifamily (5+ residential) | 2.03% |
| Commercial and industrial | 11.38% |
| Consumer | 44.13% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 114.36% |
| Construction concentration (Tier 1 capital + allowance) | 35.22% |
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 | 8.01% |
| Interest income on loans | $26.5M |
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 | $1.19B | $1.17B | 14.54% | 7.95% | 50.61% |
| Q4 2023 | $1.19B | $1.25B | 15.73% | 7.63% | 50.58% |
| Q1 2024 | $1.22B | $1.18B | 15.36% | 7.66% | 50.08% |
| Q2 2024 | $1.23B | $1.27B | 15.85% | 7.65% | 49.37% |
| Q3 2024 | $1.23B | $1.31B | 15.82% | 7.12% | 49.16% |
| Q4 2024 | $1.24B | $1.33B | 16.27% | 7.39% | 49.58% |
| Q1 2025 | $1.24B | $1.32B | 15.69% | 7.34% | 49.80% |
| Q2 2025 | $1.29B | $1.55B | 15.51% | 7.79% | 48.31% |
| Q3 2025 | $1.30B | $1.45B | 16.09% | 8.24% | 46.49% |
| Q4 2025 | $1.31B | $1.47B | 15.29% | 9.97% | 45.78% |
| Q1 2026 | $1.31B | $1.43B | 14.09% | 9.79% | 45.08% |
| Q2 2026 | $1.33B | $1.62B | 13.06% | 11.38% | 44.13% |
Independent Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Independent 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 Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34728) · FFIEC NIC profile (RSSD 2666400)