The Apple Creek Banking Company: 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.
Cre concentration (tier 1 capital + allowance) climbed 7.73 percentage points in Q2 2026, from 171.14% to 178.88%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Apple Creek Banking Company is 30th of 156 on loan-to-deposit ratio, 95.61% as of Q2 2026, above the middle of the field. The Apple Creek Banking Company reported 95.61% on loan-to-deposit ratio for Q2 2026, 14.77 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $232.7M |
| Net loans and leases | $230.6M |
| Loans held for sale | $196K |
| Loans to total assets | 85.99% |
| Loan-to-deposit ratio | 95.61% |
| Net loans to equity capital | 9.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.32% |
| Multifamily (5+ residential) | 6.58% |
| Commercial and industrial | 15.34% |
| Consumer | 5.43% |
| Credit cards | 0.00% |
| Farm | 10.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 178.88% |
| Construction concentration (Tier 1 capital + allowance) | 47.53% |
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 | 6.49% |
| Interest income on loans | $3.7M |
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 | $186.6M | $192.5M | 29.17% | 21.70% | 0.22% |
| Q4 2023 | $189.0M | $194.7M | 28.67% | 20.35% | 0.25% |
| Q1 2024 | $194.8M | $222.6M | 29.08% | 19.36% | 0.25% |
| Q2 2024 | $194.0M | $228.7M | 29.88% | 18.46% | 0.31% |
| Q3 2024 | $203.8M | $237.0M | 28.65% | 17.73% | 3.36% |
| Q4 2024 | $207.7M | $235.8M | 26.98% | 16.08% | 6.20% |
| Q1 2025 | $212.6M | $234.6M | 26.64% | 15.57% | 6.01% |
| Q2 2025 | $215.1M | $235.8M | 26.38% | 16.17% | 5.37% |
| Q3 2025 | $222.7M | $237.5M | 25.47% | 15.76% | 6.53% |
| Q4 2025 | $224.9M | $236.2M | 26.50% | 15.47% | 6.15% |
| Q1 2026 | $226.7M | $233.9M | 25.62% | 15.29% | 6.27% |
| Q2 2026 | $232.7M | $243.4M | 25.32% | 15.34% | 5.43% |
The Apple Creek Banking Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Apple Creek Banking Company, 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 The Apple Creek Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 737) · FFIEC NIC profile (RSSD 213912)