Mutual Savings 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 9.44 percentage points higher than in Q1 2026, at 55.90%. Mutual Savings Bank ranks 56th of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 78.72% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Mutual Savings Bank reported 78.72% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $223.8M |
| Net loans and leases | $220.7M |
| Loans held for sale | $0 |
| Loans to total assets | 63.42% |
| Loan-to-deposit ratio | 78.72% |
| Net loans to equity capital | 8.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.71% |
| Multifamily (5+ residential) | 3.29% |
| Commercial and industrial | 6.78% |
| Consumer | 1.12% |
| Credit cards | 0.00% |
| Farm | 3.66% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.05% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 172.12% |
| Construction concentration (Tier 1 capital + allowance) | 55.90% |
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 | 6.47% |
| Interest income on loans | $3.6M |
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 | $191.6M | $230.8M | 39.48% | 5.93% | 3.77% |
| Q4 2023 | $197.3M | $246.1M | 39.46% | 5.64% | 3.78% |
| Q1 2024 | $196.9M | $249.7M | 39.42% | 6.00% | 3.34% |
| Q2 2024 | $199.7M | $242.6M | 39.51% | 6.01% | 4.58% |
| Q3 2024 | $207.1M | $248.2M | 39.44% | 5.87% | 4.14% |
| Q4 2024 | $208.5M | $241.0M | 39.06% | 5.85% | 3.94% |
| Q1 2025 | $206.6M | $245.3M | 38.72% | 6.96% | 1.64% |
| Q2 2025 | $212.4M | $244.3M | 38.68% | 5.79% | 1.65% |
| Q3 2025 | $214.5M | $268.2M | 38.01% | 6.19% | 1.49% |
| Q4 2025 | $221.5M | $280.3M | 39.18% | 6.95% | 1.30% |
| Q1 2026 | $220.2M | $282.2M | 39.20% | 7.17% | 1.18% |
| Q2 2026 | $223.8M | $284.3M | 37.71% | 6.78% | 1.12% |
Mutual Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mutual Savings 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 Mutual Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27742) · FFIEC NIC profile (RSSD 841472)