Owen County 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.
Cre concentration (tier 1 capital + allowance) climbed 4.15 percentage points in Q2 2026, from 182.96% to 187.12%. It was the largest change from Q1 2026 among the key lines here. Owen County State Bank ranks 45th of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 83.40% (Q2 2026). Owen County State Bank reported 83.40% on loan-to-deposit ratio for Q2 2026, 2.56 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $270.0M |
| Net loans and leases | $266.5M |
| Loans held for sale | $243K |
| Loans to total assets | 69.50% |
| Loan-to-deposit ratio | 83.40% |
| Net loans to equity capital | 9.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.57% |
| Multifamily (5+ residential) | 7.38% |
| Commercial and industrial | 9.09% |
| Consumer | 1.74% |
| Credit cards | 0.00% |
| Farm | 1.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 187.12% |
| Construction concentration (Tier 1 capital + allowance) | 69.76% |
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 | 7.16% |
| Interest income on loans | $4.7M |
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 | $214.8M | $279.0M | 23.83% | 6.01% | 3.38% |
| Q4 2023 | $220.4M | $290.1M | 25.84% | 6.25% | 2.80% |
| Q1 2024 | $223.3M | $289.0M | 26.58% | 5.87% | 2.72% |
| Q2 2024 | $233.8M | $295.0M | 26.28% | 6.20% | 2.50% |
| Q3 2024 | $244.1M | $296.1M | 26.42% | 7.62% | 2.45% |
| Q4 2024 | $246.4M | $301.4M | 27.64% | 7.73% | 2.53% |
| Q1 2025 | $253.3M | $291.7M | 27.72% | 7.63% | 2.19% |
| Q2 2025 | $268.7M | $308.2M | 27.74% | 8.94% | 2.07% |
| Q3 2025 | $269.5M | $306.7M | 27.37% | 8.58% | 1.92% |
| Q4 2025 | $270.2M | $313.8M | 27.13% | 8.35% | 1.99% |
| Q1 2026 | $268.3M | $326.7M | 25.73% | 8.59% | 1.91% |
| Q2 2026 | $270.0M | $323.8M | 26.57% | 9.09% | 1.74% |
Owen County State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Owen County 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 Owen County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13112) · FFIEC NIC profile (RSSD 38740)