Merchants Bank of Indiana: 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 7.51 percentage points lower than in Q1 2026, at 301.08%. On loan-to-deposit ratio, Merchants Bank of Indiana ranks 2nd highest among the 87 banks headquartered in Indiana, at 121.06% (Q2 2026). Merchants Bank of Indiana reported 121.06% on loan-to-deposit ratio for Q2 2026, 34.23 points above the 86.83% median for banks in the $10B-100B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $17.36B |
| Net loans and leases | $17.29B |
| Loans held for sale | $5.02B |
| Loans to total assets | 82.01% |
| Loan-to-deposit ratio | 121.06% |
| Net loans to equity capital | 7.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.40% |
| Multifamily (5+ residential) | 19.17% |
| Commercial and industrial | 9.16% |
| Consumer | 0.02% |
| Credit cards | 0.00% |
| Farm | 0.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 301.08% |
| Construction concentration (Tier 1 capital + allowance) | 83.48% |
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 | 6.22% |
| Interest income on loans | $257.0M |
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 | $13.67B | $12.81B | 17.33% | 7.28% | 0.04% |
| Q4 2023 | $13.27B | $13.87B | 18.43% | 7.96% | 0.06% |
| Q1 2024 | $14.41B | $14.02B | 17.68% | 7.16% | 0.03% |
| Q2 2024 | $14.71B | $14.97B | 17.93% | 7.06% | 0.01% |
| Q3 2024 | $14.59B | $12.94B | 13.04% | 7.83% | 0.01% |
| Q4 2024 | $14.64B | $11.98B | 10.74% | 7.59% | 0.02% |
| Q1 2025 | $14.80B | $12.47B | 11.26% | 7.71% | 0.03% |
| Q2 2025 | $15.03B | $12.75B | 10.49% | 8.25% | 0.03% |
| Q3 2025 | $15.15B | $14.00B | 10.72% | 8.30% | 0.01% |
| Q4 2025 | $15.53B | $13.10B | 9.86% | 8.56% | 0.01% |
| Q1 2026 | $16.62B | $13.04B | 8.44% | 7.87% | 0.02% |
| Q2 2026 | $17.36B | $14.34B | 8.40% | 9.16% | 0.02% |
Merchants Bank of Indiana loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants Bank of Indiana, 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 Merchants Bank of Indiana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8056) · FFIEC NIC profile (RSSD 963945)