Buckeye Community 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 CRE concentration (Tier 1 capital + allowance): 28.10 percentage points lower than in Q1 2026, at 137.61%. Within Ohio, Buckeye Community Bank is 48th of 156 on loan-to-deposit ratio, 90.52% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Buckeye Community Bank sits 9.68 points higher, at 90.52% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $187.0M |
| Net loans and leases | $184.8M |
| Loans held for sale | $150K |
| Loans to total assets | 78.49% |
| Loan-to-deposit ratio | 90.52% |
| Net loans to equity capital | 6.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 51.31% |
| Multifamily (5+ residential) | 4.41% |
| Commercial and industrial | 24.29% |
| Consumer | 1.67% |
| 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) | 137.61% |
| Construction concentration (Tier 1 capital + allowance) | 23.01% |
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 | 6.78% |
| Interest income on loans | $3.2M |
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 | $162.0M | $195.6M | 54.94% | 22.38% | 0.05% |
| Q4 2023 | $165.5M | $192.7M | 54.73% | 23.88% | 0.02% |
| Q1 2024 | $171.1M | $194.0M | 56.33% | 23.66% | 0.02% |
| Q2 2024 | $170.5M | $193.4M | 55.62% | 24.10% | 0.03% |
| Q3 2024 | $174.7M | $198.4M | 56.04% | 23.02% | 0.03% |
| Q4 2024 | $176.8M | $205.0M | 54.47% | 21.85% | 0.17% |
| Q1 2025 | $177.4M | $201.1M | 53.44% | 22.51% | 0.71% |
| Q2 2025 | $181.8M | $208.4M | 53.18% | 21.85% | 1.33% |
| Q3 2025 | $186.8M | $209.9M | 51.09% | 23.52% | 1.49% |
| Q4 2025 | $195.2M | $216.8M | 51.61% | 23.77% | 1.72% |
| Q1 2026 | $190.9M | $214.0M | 50.64% | 24.09% | 1.64% |
| Q2 2026 | $187.0M | $206.6M | 51.31% | 24.29% | 1.67% |
Buckeye Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Buckeye Community 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 Buckeye Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35101) · FFIEC NIC profile (RSSD 2836306)