The Baltic State 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 Commercial real estate (nonfarm nonresidential): 1.91 percentage points higher than in Q1 2026, at 8.72%. The Baltic State Bank ranks 66th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 85.14% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Baltic State Bank sits 4.30 points higher, at 85.14% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $101.9M |
| Net loans and leases | $100.9M |
| Loans held for sale | $0 |
| Loans to total assets | 78.61% |
| Loan-to-deposit ratio | 85.14% |
| Net loans to equity capital | 11.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.72% |
| Multifamily (5+ residential) | 0.67% |
| Commercial and industrial | 7.51% |
| Consumer | 2.87% |
| Credit cards | 0.00% |
| Farm | 10.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.75% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 47.60% |
| Construction concentration (Tier 1 capital + allowance) | 26.50% |
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 | — |
| 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 | $79.0M | $92.9M | 7.03% | 12.59% | 4.10% |
| Q4 2023 | $81.7M | $97.2M | 6.97% | 11.92% | 3.75% |
| Q1 2024 | $82.7M | $93.3M | 7.55% | 11.79% | 3.68% |
| Q2 2024 | $85.3M | $91.4M | 7.54% | 11.67% | 3.49% |
| Q3 2024 | $86.5M | $95.6M | 7.17% | 11.02% | 3.44% |
| Q4 2024 | $87.0M | $100.6M | 8.22% | 10.31% | 3.25% |
| Q1 2025 | $89.7M | $99.9M | 6.97% | 9.80% | 3.04% |
| Q2 2025 | $91.8M | $102.9M | 6.25% | 9.37% | 2.93% |
| Q3 2025 | $90.8M | $102.2M | 6.50% | 8.60% | 3.39% |
| Q4 2025 | $93.1M | $112.8M | 6.93% | 7.15% | 3.20% |
| Q1 2026 | $95.7M | $114.0M | 6.81% | 7.36% | 3.24% |
| Q2 2026 | $101.9M | $119.6M | 8.72% | 7.51% | 2.87% |
The Baltic State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Baltic State 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 The Baltic State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17759) · FFIEC NIC profile (RSSD 112510)