Spencer County 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) dropped 2.04 percentage points in Q2 2026, from 17.04% to 15.00%. It was the largest change from Q1 2026 among the key lines here. Spencer County Bank ranks 68th of 87 Indiana banks on loan-to-deposit ratio, in the lower half at 70.53% (Q2 2026). Spencer County Bank reported 70.53% on loan-to-deposit ratio for Q2 2026, 10.42 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $78.7M |
| Net loans and leases | $78.1M |
| Loans held for sale | $0 |
| Loans to total assets | 60.03% |
| Loan-to-deposit ratio | 70.53% |
| Net loans to equity capital | 4.17% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.18% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.13% |
| Consumer | 6.39% |
| Credit cards | 0.34% |
| Farm | 2.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.46% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 15.00% |
| Construction concentration (Tier 1 capital + allowance) | 10.85% |
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 | 6.33% |
| Interest income on loans | $1.2M |
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 | $82.2M | $109.3M | 7.60% | 9.39% | 11.04% |
| Q4 2023 | $82.5M | $107.3M | 7.40% | 9.37% | 10.81% |
| Q1 2024 | $81.5M | $113.1M | 7.03% | 9.45% | 10.76% |
| Q2 2024 | $82.0M | $109.1M | 6.49% | 9.58% | 10.12% |
| Q3 2024 | $82.3M | $107.1M | 6.88% | 9.43% | 9.31% |
| Q4 2024 | $80.5M | $109.1M | 7.26% | 8.96% | 9.08% |
| Q1 2025 | $79.8M | $111.1M | 7.58% | 8.45% | 8.32% |
| Q2 2025 | $80.1M | $112.5M | 7.43% | 8.34% | 7.80% |
| Q3 2025 | $80.5M | $112.9M | 7.14% | 7.74% | 7.63% |
| Q4 2025 | $79.6M | $112.0M | 7.41% | 7.21% | 7.10% |
| Q1 2026 | $79.0M | $112.2M | 7.95% | 7.30% | 6.74% |
| Q2 2026 | $78.7M | $111.6M | 7.18% | 7.13% | 6.39% |
Spencer County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Spencer County 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 Spencer County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5786) · FFIEC NIC profile (RSSD 871648)