State Bank

Brownsburg, IndianaFDIC Cert #1833

STATEEstablished 191010 branches

Holding company: LIZTON FINANCIAL CORPRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$136M
Investor CRE	$163M
Multifamily	$47.6M
Construction	$82.7M
1–4 family	$114M
C&I	$80.1M
Agriculture	$29.3M
Other	$33.3M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$686M

+8.1%y/y

Percentile by value94th percentileby value

FDICLNLSGR

Net loans

$675M

+8.1%y/y

Percentile by value94th percentileby value

FDICLNLSNET

Loans YoY

+8.12%

+66.2%y/y

Percentile by value63rd percentileby value

FDICLNLSNET

L/D

97.0%

+9.4%y/y

Percentile by value86th percentileby value

FDICLNLSNET + DEP

Loans/assets

78.9%

+4.2%y/y

Percentile by value81st percentileby value

FDICLNLSNET + ASSET

RE loans %

86.66%

+0.2%y/y

Percentile by value54th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,594points

−7.2%y/y

Peer standing88th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

19.81%

+4.7%y/y

Percentile by value81st percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

23.72%

−18.8%y/y

Percentile by value80th percentileby value

FDICLNRENROT + LNLSGR

C&I %

11.68%

+27.8%y/y

Percentile by value64th percentileby value

FDICLNCI + LNLSGR