Industrial 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 5.83 percentage points in Q2 2026, from 129.95% to 124.12%. It was the largest change from Q1 2026 among the key lines here. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Industrial Bank sits 12.45 points lower, at 68.39% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $415.1M |
| Net loans and leases | $402.2M |
| Loans held for sale | $0 |
| Loans to total assets | 53.62% |
| Loan-to-deposit ratio | 68.39% |
| Net loans to equity capital | 3.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.95% |
| Multifamily (5+ residential) | 9.38% |
| Commercial and industrial | 12.06% |
| Consumer | 0.06% |
| 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) | 124.12% |
| Construction concentration (Tier 1 capital + allowance) | 48.65% |
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 | 6.33% |
| Interest income on loans | $6.6M |
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 | $377.3M | $636.4M | 45.94% | 12.77% | 0.03% |
| Q4 2023 | $374.3M | $603.3M | 45.37% | 12.11% | 0.03% |
| Q1 2024 | $386.7M | $606.6M | 45.44% | 11.35% | 0.03% |
| Q2 2024 | $390.4M | $628.5M | 45.14% | 9.79% | 0.03% |
| Q3 2024 | $389.8M | $632.2M | 44.32% | 9.53% | 0.03% |
| Q4 2024 | $407.5M | $643.7M | 42.46% | 10.75% | 0.03% |
| Q1 2025 | $406.1M | $642.3M | 44.10% | 10.38% | 0.02% |
| Q2 2025 | $416.5M | $636.1M | 42.38% | 9.52% | 0.02% |
| Q3 2025 | $417.4M | $627.4M | 41.71% | 9.39% | 0.03% |
| Q4 2025 | $412.3M | $604.5M | 40.99% | 9.84% | 0.01% |
| Q1 2026 | $418.7M | $607.9M | 40.37% | 11.19% | 0.01% |
| Q2 2026 | $415.1M | $607.0M | 38.95% | 12.06% | 0.06% |
Industrial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Industrial 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 Industrial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14679) · FFIEC NIC profile (RSSD 536527)