The Riddell National 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.
Construction concentration (tier 1 capital + allowance) climbed 2.48 percentage points in Q2 2026, from 37.74% to 40.22%. It was the largest change from Q1 2026 among the key lines here. The Riddell National Bank ranks 42nd of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 84.70% (Q2 2026). The Riddell National Bank reported 84.70% on loan-to-deposit ratio for Q2 2026, 3.86 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $293.8M |
| Net loans and leases | $290.3M |
| Loans held for sale | $182K |
| Loans to total assets | 76.45% |
| Loan-to-deposit ratio | 84.70% |
| Net loans to equity capital | 9.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.43% |
| Multifamily (5+ residential) | 0.09% |
| Commercial and industrial | 15.05% |
| Consumer | 9.23% |
| Credit cards | 0.29% |
| Farm | 3.69% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.24% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 72.42% |
| Construction concentration (Tier 1 capital + allowance) | 40.22% |
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 | 6.52% |
| 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 | $237.0M | $278.5M | 18.88% | 13.35% | 8.03% |
| Q4 2023 | $245.0M | $284.4M | 18.55% | 12.16% | 8.79% |
| Q1 2024 | $253.5M | $288.2M | 18.43% | 12.05% | 9.18% |
| Q2 2024 | $261.1M | $284.0M | 18.32% | 13.50% | 9.22% |
| Q3 2024 | $263.8M | $290.6M | 18.40% | 12.27% | 9.68% |
| Q4 2024 | $269.8M | $306.6M | 18.19% | 12.63% | 9.52% |
| Q1 2025 | $270.8M | $320.0M | 17.54% | 12.66% | 9.68% |
| Q2 2025 | $273.7M | $313.3M | 18.98% | 11.89% | 9.72% |
| Q3 2025 | $282.7M | $324.8M | 18.60% | 11.94% | 9.35% |
| Q4 2025 | $286.0M | $327.4M | 17.98% | 12.10% | 9.13% |
| Q1 2026 | $290.0M | $344.6M | 17.08% | 14.47% | 8.81% |
| Q2 2026 | $293.8M | $346.9M | 16.43% | 15.05% | 9.23% |
The Riddell National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Riddell National 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 Riddell National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4318) · FFIEC NIC profile (RSSD 319047)