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Financial Institutions FISI Collateral Dependent Loans

Collateral Dependent Loans at other companies

Valley National Bank logo
Valley National BankVLY
$184M+28.8%
Independent Bank Corporation logo
Independent Bank CorporationIBCP
$19.7M+272%
Banner Corporation logo
Banner CorporationBANR
$22.24M-10.0%
National Bank Holdings logo
National Bank HoldingsNBHC
$49.15M+109%
National Bank Holdings logo
National Bank HoldingsNBHC
$250K0.0%
Stifel Financial logo
Stifel FinancialSF
97%+0.2pp

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/S3×—

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:CollateralDependentLoans.

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 loans?
Financial Institutions (FISI) reported collateral dependent loans of $50.29M in Q1 2026.
How has Financial Institutions's collateral dependent loans changed year-over-year?
Financial Institutions's collateral dependent loans increased by 2.3% year-over-year, from $49.14M to $50.29M.
What is the long-term trend for Financial Institutions's collateral dependent loans?
Over 5 years (2020 to 2025), Financial Institutions's collateral dependent loans has grown at a 4.6% compound annual growth rate (CAGR), from $39M to $48.76M.
What does collateral dependent loans mean?
This metric represents the aggregate balance of all loans where the institution relies on the underlying collateral as the primary source of repayment rather than the borrower's cash flow. It serves as a comprehensive measure of the bank's reliance on asset-based lending strategies. High concentrations of these loans suggest that the institution's credit risk is heavily correlated with the secondary market value of the pledged assets.