The National Bank of Indianapolis: 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): 10.84 percentage points higher than in Q1 2026, at 198.27%. The National Bank of Indianapolis ranks 51st of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 80.36% (Q2 2026). The National Bank of Indianapolis reported 80.36% on loan-to-deposit ratio for Q2 2026, 7.84 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.15B |
| Net loans and leases | $2.12B |
| Loans held for sale | $0 |
| Loans to total assets | 70.69% |
| Loan-to-deposit ratio | 80.36% |
| Net loans to equity capital | 8.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.82% |
| Multifamily (5+ residential) | 1.81% |
| Commercial and industrial | 24.04% |
| Consumer | 1.99% |
| Credit cards | 0.08% |
| 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) | 198.27% |
| Construction concentration (Tier 1 capital + allowance) | 98.70% |
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 | 6.13% |
| Interest income on loans | $32.4M |
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 | $1.64B | $2.48B | 29.18% | 21.95% | 1.97% |
| Q4 2023 | $1.71B | $2.62B | 31.36% | 20.86% | 1.56% |
| Q1 2024 | $1.75B | $2.69B | 32.95% | 20.46% | 1.62% |
| Q2 2024 | $1.73B | $2.58B | 32.50% | 21.27% | 1.55% |
| Q3 2024 | $1.74B | $2.75B | 33.41% | 21.78% | 1.55% |
| Q4 2024 | $1.82B | $2.74B | 32.58% | 22.89% | 1.74% |
| Q1 2025 | $1.81B | $2.90B | 31.32% | 23.57% | 1.78% |
| Q2 2025 | $1.85B | $2.64B | 31.12% | 23.54% | 2.06% |
| Q3 2025 | $1.93B | $2.70B | 31.80% | 23.38% | 1.79% |
| Q4 2025 | $2.02B | $2.84B | 33.05% | 23.79% | 1.96% |
| Q1 2026 | $2.10B | $2.87B | 31.72% | 24.75% | 2.05% |
| Q2 2026 | $2.15B | $2.67B | 31.82% | 24.04% | 1.99% |
The National Bank of Indianapolis loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The National Bank of Indianapolis, 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 National Bank of Indianapolis profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33860) · FFIEC NIC profile (RSSD 2132941)