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Financial Institutions FISI Collateral Dependent Loan With Specific Reserve

Collateral Dependent Loan With Specific Reserve at other companies

Independent Bank Corporation logo
Independent Bank CorporationIBCP
$7.1M+91.9%
Valley National Bank logo
Valley National BankVLY
$184M+28.8%
Independent Bank Corporation logo
Independent Bank CorporationIBCP
$19.7M+272%
The Bancorp logo
The BancorpTBBK
$5.5M+17.0%
National Bank Holdings logo
National Bank HoldingsNBHC
$250K0.0%
Banner Corporation logo
Banner CorporationBANR
$22.24M-10.0%

Other financials

Income statement

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Revenue$62.7M+9.5%
Net income$21.0M+24.3%
EPS (diluted)$1.04+28.4%

Balance sheet

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Cash & equivalents$85.5M-48.9%
Total debt$224.6M+5.7%
Total equity$631.7M+7.1%
Total assets$6.3B-0.7%

Cash flow

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Operating cash flow$23.7M+137%
CapEx$650.0K-20.3%
Free cash flow$23.0M+151%

Valuation

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Market cap$761.86M+54.0%
Enterprise value$901.05M+66.9%
P/E9.7×
P/S

Profitability

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Net margin31.5%
FCF margin33%-35.0pp

Returns & leverage

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Return on equity12.9%+10.1pp
Debt / equity0.4×0.0×

Where this comes from

Reported directly by Financial Institutions in its filing.

Tagged under the XBRL concept fisi:CollateralDependentLoanWithSpecificReserve.

The official record: Financial Institutions’s 10-Q, filed May 4, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Financial Institutions's collateral dependent loan with specific reserve?
Financial Institutions (FISI) reported collateral dependent loan with specific reserve of $3.32M in Q1 2026.
How has Financial Institutions's collateral dependent loan with specific reserve changed year-over-year?
Financial Institutions's collateral dependent loan with specific reserve decreased by 9.5% year-over-year, from $3.67M to $3.32M.
What is the long-term trend for Financial Institutions's collateral dependent loan with specific reserve?
Over 5 years (2020 to 2025), Financial Institutions's collateral dependent loan with specific reserve has grown at a -19.6% compound annual growth rate (CAGR), from $9.57M to $3.22M.
What does collateral dependent loan with specific reserve mean?
This metric identifies the portion of collateral-dependent loans for which the institution has established a specific reserve due to concerns regarding the sufficiency of the collateral value. It highlights loans that are considered higher risk and require proactive management to mitigate potential losses. This metric is essential for assessing the bank's conservative approach to provisioning for impaired assets.