Independent Correspondent Bankers' Bank, Inc.: 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 18.05 percentage points in Q2 2026, from 213.85% to 195.80%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Independent Correspondent Bankers' Bank, Inc. is 16th of 120 on loan-to-deposit ratio, 100.08% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Independent Correspondent Bankers' Bank, Inc. sits 19.25 points higher, at 100.08% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $82.6M |
| Net loans and leases | $81.5M |
| Loans held for sale | $0 |
| Loans to total assets | 54.57% |
| Loan-to-deposit ratio | 100.08% |
| Net loans to equity capital | 3.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.20% |
| Multifamily (5+ residential) | 15.53% |
| Commercial and industrial | 6.57% |
| Consumer | 0.42% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.88% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 195.80% |
| Construction concentration (Tier 1 capital + allowance) | 39.98% |
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 | 6.49% |
| Interest income on loans | $1.4M |
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 | $72.3M | $61.9M | 39.20% | 5.93% | 0.46% |
| Q4 2023 | $77.4M | $61.6M | 39.29% | 5.93% | 0.43% |
| Q1 2024 | $82.9M | $69.1M | 40.64% | 6.37% | 0.47% |
| Q2 2024 | $80.8M | $56.7M | 43.96% | 4.88% | 0.49% |
| Q3 2024 | $79.7M | $65.5M | 45.76% | 6.64% | 0.00% |
| Q4 2024 | $77.8M | $67.8M | 45.32% | 6.87% | 0.00% |
| Q1 2025 | $82.8M | $68.5M | 45.43% | 7.58% | 0.43% |
| Q2 2025 | $81.0M | $65.5M | 47.15% | 7.48% | 0.44% |
| Q3 2025 | $81.4M | $77.0M | 46.86% | 4.25% | 0.43% |
| Q4 2025 | $87.4M | $75.6M | 44.44% | 7.13% | 0.40% |
| Q1 2026 | $86.7M | $102.4M | 43.53% | 6.87% | 0.40% |
| Q2 2026 | $82.6M | $82.5M | 42.20% | 6.57% | 0.42% |
Independent Correspondent Bankers' Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Independent Correspondent Bankers' Bank, Inc., 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 Correspondent Bankers' Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27219) · FFIEC NIC profile (RSSD 1187551)