The North Salem 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.
Loans held for sale climbed 218.5% in Q2 2026, from $1.0M to $3.2M. It was the largest change from Q1 2026 among the key lines here. The North Salem State Bank ranks 25th of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 91.23% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The North Salem State Bank sits 10.28 points higher, at 91.23% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $627.5M |
| Net loans and leases | $617.2M |
| Loans held for sale | $3.2M |
| Loans to total assets | 81.54% |
| Loan-to-deposit ratio | 91.23% |
| Net loans to equity capital | 8.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.24% |
| Multifamily (5+ residential) | 3.68% |
| Commercial and industrial | 6.43% |
| Consumer | 2.28% |
| Credit cards | 0.00% |
| Farm | 16.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 141.50% |
| Construction concentration (Tier 1 capital + allowance) | 62.47% |
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 | 6.93% |
| Interest income on loans | $10.8M |
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 | $499.0M | $553.4M | 25.49% | 8.88% | 3.44% |
| Q4 2023 | $505.6M | $541.7M | 25.72% | 8.64% | 3.38% |
| Q1 2024 | $513.0M | $575.6M | 25.61% | 8.43% | 3.37% |
| Q2 2024 | $525.9M | $581.9M | 25.91% | 8.16% | 3.12% |
| Q3 2024 | $531.2M | $575.0M | 25.64% | 8.16% | 3.14% |
| Q4 2024 | $546.1M | $582.3M | 25.66% | 7.74% | 3.12% |
| Q1 2025 | $569.6M | $602.0M | 26.76% | 7.66% | 2.79% |
| Q2 2025 | $587.5M | $623.2M | 27.28% | 7.18% | 2.52% |
| Q3 2025 | $598.5M | $641.4M | 28.07% | 6.79% | 2.42% |
| Q4 2025 | $619.9M | $689.9M | 26.28% | 6.56% | 2.28% |
| Q1 2026 | $619.8M | $687.2M | 26.63% | 6.55% | 2.25% |
| Q2 2026 | $627.5M | $687.9M | 27.24% | 6.43% | 2.28% |
The North Salem State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The North Salem 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 North Salem State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8063) · FFIEC NIC profile (RSSD 947749)