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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 61.45 percentage points lower than in Q1 2026, at 255.99%. State Bank ranks 18th of 87 Indiana banks on loan-to-deposit ratio, in the upper half at 92.89% (Q2 2026). State Bank reported 92.89% on loan-to-deposit ratio for Q2 2026, 12.33 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $709.8M |
| Net loans and leases | $699.4M |
| Loans held for sale | $290K |
| Loans to total assets | 77.48% |
| Loan-to-deposit ratio | 92.89% |
| Net loans to equity capital | 6.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.56% |
| Multifamily (5+ residential) | 7.39% |
| Commercial and industrial | 12.45% |
| Consumer | 1.05% |
| Credit cards | 0.00% |
| Farm | 2.67% |
| Loans to depository institutions | 0.49% |
| State and political subdivisions | 2.47% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 255.99% |
| Construction concentration (Tier 1 capital + allowance) | 77.96% |
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 | 6.41% |
| Interest income on loans | $11.3M |
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 | $581.6M | $686.9M | 49.79% | 8.69% | 1.45% |
| Q4 2023 | $592.5M | $700.0M | 49.74% | 9.23% | 1.46% |
| Q1 2024 | $604.6M | $710.2M | 52.81% | 8.97% | 1.45% |
| Q2 2024 | $628.0M | $738.4M | 52.01% | 9.72% | 1.41% |
| Q3 2024 | $625.5M | $733.5M | 50.95% | 9.80% | 1.35% |
| Q4 2024 | $646.5M | $698.3M | 48.75% | 9.71% | 1.20% |
| Q1 2025 | $634.2M | $704.6M | 48.12% | 9.14% | 1.19% |
| Q2 2025 | $657.6M | $723.5M | 45.52% | 10.92% | 1.17% |
| Q3 2025 | $680.7M | $720.5M | 46.98% | 10.33% | 1.10% |
| Q4 2025 | $696.8M | $696.3M | 44.54% | 10.45% | 1.05% |
| Q1 2026 | $685.6M | $696.4M | 43.53% | 11.68% | 1.10% |
| Q2 2026 | $709.8M | $764.1M | 40.56% | 12.45% | 1.05% |
State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1833) · FFIEC NIC profile (RSSD 345747)