Tri-County Bank & Trust Company: 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 20.38 percentage points in Q2 2026, from 154.76% to 134.38%. It was the largest change from Q1 2026 among the key lines here. Within Indiana, Tri-County Bank & Trust Company is 54th of 87 on loan-to-deposit ratio, 79.67% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Tri-County Bank & Trust Company reported 79.67% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $206.7M |
| Net loans and leases | $203.8M |
| Loans held for sale | $0 |
| Loans to total assets | 65.83% |
| Loan-to-deposit ratio | 79.67% |
| Net loans to equity capital | 8.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.73% |
| Multifamily (5+ residential) | 6.18% |
| Commercial and industrial | 2.52% |
| Consumer | 0.61% |
| Credit cards | 0.00% |
| Farm | 10.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 134.38% |
| Construction concentration (Tier 1 capital + allowance) | 6.67% |
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 | 5.70% |
| Interest income on loans | $2.9M |
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 | $208.5M | $228.4M | 42.77% | 6.45% | 1.59% |
| Q4 2023 | $215.9M | $235.0M | 39.75% | 11.73% | 1.59% |
| Q1 2024 | $221.8M | $237.1M | 48.21% | 1.38% | 1.49% |
| Q2 2024 | $220.7M | $240.8M | 50.69% | 2.18% | 0.70% |
| Q3 2024 | $221.4M | $246.9M | 50.35% | 2.29% | 0.75% |
| Q4 2024 | $217.4M | $234.1M | 52.88% | 1.72% | 0.72% |
| Q1 2025 | $214.3M | $238.1M | 53.23% | 2.08% | 0.71% |
| Q2 2025 | $207.9M | $246.6M | 50.52% | 2.31% | 0.69% |
| Q3 2025 | $208.4M | $236.5M | 51.78% | 2.12% | 0.68% |
| Q4 2025 | $204.3M | $241.3M | 51.50% | 1.81% | 0.66% |
| Q1 2026 | $207.2M | $248.6M | 52.13% | 2.26% | 0.63% |
| Q2 2026 | $206.7M | $259.4M | 48.73% | 2.52% | 0.61% |
Tri-County Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Tri-County Bank & Trust Company, 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 Tri-County Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 210) · FFIEC NIC profile (RSSD 914545)