The Napoleon State 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.
Loan-to-deposit ratio climbed 4.85 percentage points in Q2 2026, from 78.13% to 82.98%. It was the largest change from Q1 2026 among the key lines here. The Napoleon State Bank ranks 47th of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 82.98% (Q2 2026). At 82.98%, The Napoleon State Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $365.5M |
| Net loans and leases | $360.5M |
| Loans held for sale | $668K |
| Loans to total assets | 73.21% |
| Loan-to-deposit ratio | 82.98% |
| Net loans to equity capital | 6.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.51% |
| Multifamily (5+ residential) | 0.11% |
| Commercial and industrial | 7.90% |
| Consumer | 5.10% |
| Credit cards | 0.00% |
| Farm | 17.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 37.96% |
| Construction concentration (Tier 1 capital + allowance) | 37.28% |
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 | 6.60% |
| Interest income on loans | $5.9M |
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 | $294.1M | $379.8M | 10.34% | 9.95% | 7.40% |
| Q4 2023 | $304.7M | $389.1M | 10.61% | 9.50% | 6.91% |
| Q1 2024 | $307.0M | $386.4M | 10.74% | 10.27% | 6.74% |
| Q2 2024 | $314.5M | $396.0M | 10.99% | 10.04% | 6.58% |
| Q3 2024 | $318.9M | $397.4M | 10.71% | 10.25% | 6.36% |
| Q4 2024 | $323.9M | $412.8M | 10.87% | 10.05% | 5.94% |
| Q1 2025 | $322.7M | $428.1M | 10.97% | 10.17% | 5.89% |
| Q2 2025 | $328.1M | $424.0M | 10.90% | 9.63% | 5.70% |
| Q3 2025 | $337.5M | $434.7M | 11.14% | 8.99% | 5.30% |
| Q4 2025 | $343.1M | $427.0M | 10.74% | 8.58% | 5.21% |
| Q1 2026 | $350.8M | $449.0M | 10.96% | 8.40% | 5.21% |
| Q2 2026 | $365.5M | $440.4M | 10.51% | 7.90% | 5.10% |
The Napoleon State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Napoleon State 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 The Napoleon State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10101) · FFIEC NIC profile (RSSD 944047)