BANK419: 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.
Construction concentration (Tier 1 capital + allowance) dropped 10.98 percentage points in Q2 2026, from 22.68% to 11.70%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, BANK419 is 95th of 156 on loan-to-deposit ratio, 77.39% as of Q2 2026. The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. BANK419 sits 10.07 points higher, at 77.39% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $68.9M |
| Net loans and leases | $68.0M |
| Loans held for sale | $0 |
| Loans to total assets | 70.06% |
| Loan-to-deposit ratio | 77.39% |
| Net loans to equity capital | 7.90% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.53% |
| Multifamily (5+ residential) | 5.56% |
| Commercial and industrial | 9.74% |
| Consumer | 1.97% |
| Credit cards | 0.00% |
| Farm | 10.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 123.84% |
| Construction concentration (Tier 1 capital + allowance) | 11.70% |
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 | 6.25% |
| Interest income on loans | $1.1M |
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 | $65.7M | $87.4M | 14.77% | 7.40% | 1.78% |
| Q4 2023 | $67.7M | $91.2M | 14.04% | 7.72% | 1.82% |
| Q1 2024 | $68.2M | $88.1M | 14.97% | 7.97% | 2.05% |
| Q2 2024 | $69.7M | $86.9M | 14.89% | 7.23% | 2.04% |
| Q3 2024 | $70.9M | $90.1M | 14.73% | 6.68% | 2.15% |
| Q4 2024 | $69.9M | $82.9M | 12.80% | 8.33% | 2.10% |
| Q1 2025 | $70.9M | $82.2M | 12.34% | 8.48% | 2.43% |
| Q2 2025 | $72.3M | $87.6M | 13.27% | 8.07% | 2.20% |
| Q3 2025 | $72.3M | $87.0M | 12.83% | 8.19% | 2.05% |
| Q4 2025 | $71.9M | $89.0M | 12.69% | 8.50% | 2.20% |
| Q1 2026 | $70.8M | $88.9M | 12.80% | 8.48% | 2.09% |
| Q2 2026 | $68.9M | $89.0M | 12.53% | 9.74% | 1.97% |
BANK419 loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock BANK419, 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 BANK419 profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16167) · FFIEC NIC profile (RSSD 533227)