Adelphi Bank: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.47 percentage points lower than in Q1 2026, at 94.47%. Within Ohio, Adelphi Bank is 32nd of 156 on loan-to-deposit ratio, 94.47% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Adelphi Bank sits 13.92 points higher, at 94.47% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $98.5M |
| Net loans and leases | $97.1M |
| Loans held for sale | $0 |
| Loans to total assets | 79.10% |
| Loan-to-deposit ratio | 94.47% |
| Net loans to equity capital | 5.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.43% |
| Multifamily (5+ residential) | 5.75% |
| Commercial and industrial | 24.13% |
| Consumer | 3.67% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 288.30% |
| Construction concentration (Tier 1 capital + allowance) | 132.41% |
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 | 7.28% |
| Interest income on loans | $1.7M |
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 | $13.2M | $13.1M | 27.26% | 47.56% | 0.26% |
| Q4 2023 | $16.5M | $22.6M | 29.01% | 39.02% | 0.29% |
| Q1 2024 | $24.1M | $28.3M | 25.45% | 31.91% | 0.25% |
| Q2 2024 | $31.8M | $30.6M | 24.96% | 30.62% | 0.19% |
| Q3 2024 | $38.8M | $42.2M | 33.09% | 28.00% | 0.32% |
| Q4 2024 | $51.8M | $47.7M | 32.35% | 30.08% | 2.11% |
| Q1 2025 | $60.9M | $57.2M | 35.48% | 29.60% | 4.28% |
| Q2 2025 | $68.1M | $67.4M | 34.72% | 28.21% | 6.29% |
| Q3 2025 | $74.7M | $73.8M | 33.57% | 25.90% | 5.17% |
| Q4 2025 | $87.4M | $86.2M | 40.37% | 22.35% | 4.34% |
| Q1 2026 | $93.9M | $96.9M | 40.32% | 21.74% | 4.04% |
| Q2 2026 | $98.5M | $104.2M | 39.43% | 24.13% | 3.67% |
Adelphi Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Adelphi Bank, 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 Adelphi Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59292) · FFIEC NIC profile (RSSD 5777549)