NEW INDEPENDENT BANCSHARES, INC. AND SUBSIDIARY Notes to the Consolidated Financial Statements
NOTE 4. LOANS( Continued) Delinquency Disclosures The following table presents an analysis of past-due loans as of December 31:
2025
Real Estate Loans 1-4 Family Construction Other Construction and Land Farm Land 1-4 Family Revolving 1-4 Family Closed- 1st Liens 1-4 Family Closed- JR Liens Sec. by Multifamily Residential Sec. by Own-Occ. Nonfarm Nonres. Sec. by Other Nonfarm Nonres.
Commercial Non-Real Estate Ag. Production and Other Farm Commercial and Industrial Public Funds Lease Financing Receivables
Installment Automobile Personal Total Loans
Real Estate Loans 1-4 Family Construction Other Construction and Land Farm Land 1-4 Family Revolving 1-4 Family Closed- 1st Liens 1-4 Family Closed- JR Liens Sec. by Multifamily Residential Sec. by Own-Occ. Nonfarm Nonres. Sec. by Other Nonfarm Nonres.
Commercial Non-Real Estate Commercial and Industrial Public Funds Other
Installment Automobile Personal
Total Loans
30-89 Days Past Due
$- 9,443 16,062 59,991
1,593,202 123,000 207,275 38,000 93,090-
--- 1,293,305- 2,543,255
---
223,757 96,000 499,838 72,310,265 73,129,860
--
-
74,810 4,544
127,350
624,349 5,000 294,086 34,808,286 111,674
$ 3,969,783
278,786
--
2024
---
$ 13,759,083
- 16,728,023
39,454,210
--- 26,316,239 26,316,239
$- $-
90,078
-
Over 90 days Past Due
29,000
58,472
309,292
$ 404,330 $ 3,683,758 $ 494,886,096
--
Nonaccrual Loans
$-
$ 84,143 $ 3,042,550
-
Current Loans
-- 8,127,226
-
101,882,149 13,690,233
1,556,261
11,954 6,503,799
$- 39,339,527
639,626
$ 13,759,083
387,491 67,013,484 67,459,447 24,565,331
Total Loans
53,382,377 8,143,288
103,805,626 13,821,323
436,642
35,731,721
6,656,427 $ 502,943,967
$ 13,336,079
39,339,527--- 5,452,982 5,452,982
-
$ 443,674
$- 58,240
-
--
-
21,127
-
--
53,314,694
$ 13,336,079
16,788,014
1,556,261
- 13,876,640 13,966,718-- 127,001 65,399,042
--
13,742,018
39,454,210 64,853,852 68,690,412 41,272,484 41,272,484
- 29,353,080
65,526,043 13,742,018 29,353,080--- 64,046,288 64,046,288-- 2,488,517 26,753,892 29,242,409
24,565,331 639,626
39,541 37,725,734 38,065,188- 4,412,082 4,491,436
$ 405,655,805 $ 409,226,172
2025 NWSB Annual Report | 37