Buckeye 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 CRE concentration (Tier 1 capital + allowance): 17.20 percentage points lower than in Q1 2026, at 280.67%. Within Ohio, Buckeye State Bank is 110th of 156 on loan-to-deposit ratio, 73.44% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Buckeye State Bank sits 7.12 points lower, at 73.44% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $348.2M |
| Net loans and leases | $345.2M |
| Loans held for sale | $3.7M |
| Loans to total assets | 61.18% |
| Loan-to-deposit ratio | 73.44% |
| Net loans to equity capital | 6.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.56% |
| Multifamily (5+ residential) | 9.53% |
| Commercial and industrial | 9.45% |
| Consumer | 4.30% |
| Credit cards | 0.00% |
| Farm | 0.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 280.67% |
| Construction concentration (Tier 1 capital + allowance) | 53.00% |
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 | 6.60% |
| Interest income on loans | $5.4M |
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 | $240.6M | $306.2M | 40.46% | 9.36% | 2.42% |
| Q4 2023 | $241.3M | $320.0M | 39.55% | 9.18% | 2.75% |
| Q1 2024 | $245.1M | $370.7M | 39.52% | 9.27% | 2.49% |
| Q2 2024 | $254.3M | $383.5M | 38.10% | 9.75% | 1.79% |
| Q3 2024 | $268.9M | $383.5M | 38.81% | 8.57% | 1.56% |
| Q4 2024 | $286.7M | $387.8M | 35.91% | 9.01% | 1.91% |
| Q1 2025 | $293.7M | $397.1M | 37.16% | 9.02% | 1.15% |
| Q2 2025 | $307.2M | $426.4M | 34.47% | 9.70% | 2.36% |
| Q3 2025 | $318.2M | $432.3M | 35.84% | 8.65% | 2.18% |
| Q4 2025 | $335.4M | $476.6M | 38.65% | 9.39% | 1.87% |
| Q1 2026 | $330.9M | $465.7M | 38.67% | 9.75% | 1.64% |
| Q2 2026 | $348.2M | $474.2M | 38.56% | 9.45% | 4.30% |
Buckeye State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Buckeye 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 Buckeye State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2286) · FFIEC NIC profile (RSSD 870913)