Jackson County 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.
Construction concentration (Tier 1 capital + allowance) climbed 8.31 percentage points in Q2 2026, from 81.24% to 89.55%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Jackson County Bank ranks 7th highest among the 87 banks headquartered in Indiana, at 101.52% (Q2 2026). Jackson County Bank reported 101.52% on loan-to-deposit ratio for Q2 2026, 13.32 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $908.4M |
| Net loans and leases | $898.4M |
| Loans held for sale | $1.2M |
| Loans to total assets | 81.85% |
| Loan-to-deposit ratio | 101.52% |
| Net loans to equity capital | 9.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.50% |
| Multifamily (5+ residential) | 3.98% |
| Commercial and industrial | 6.59% |
| Consumer | 0.76% |
| Credit cards | 0.00% |
| Farm | 1.44% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.89% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 274.91% |
| Construction concentration (Tier 1 capital + allowance) | 89.55% |
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 | $13.5M |
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 | $724.1M | $717.1M | 36.46% | 6.11% | 0.90% |
| Q4 2023 | $749.8M | $741.0M | 36.04% | 6.20% | 0.87% |
| Q1 2024 | $776.8M | $772.7M | 36.71% | 5.57% | 0.91% |
| Q2 2024 | $790.8M | $794.6M | 36.46% | 6.24% | 1.00% |
| Q3 2024 | $805.4M | $781.1M | 35.41% | 6.35% | 1.01% |
| Q4 2024 | $808.5M | $787.0M | 36.80% | 6.32% | 0.98% |
| Q1 2025 | $828.3M | $846.4M | 36.98% | 6.54% | 0.93% |
| Q2 2025 | $856.7M | $847.8M | 36.21% | 6.36% | 0.86% |
| Q3 2025 | $863.9M | $815.7M | 35.05% | 6.56% | 0.83% |
| Q4 2025 | $878.4M | $842.6M | 34.16% | 6.25% | 0.82% |
| Q1 2026 | $894.1M | $859.3M | 33.00% | 6.42% | 0.74% |
| Q2 2026 | $908.4M | $894.8M | 32.50% | 6.59% | 0.76% |
Jackson County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Jackson County 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 Jackson County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13109) · FFIEC NIC profile (RSSD 884442)