The Cincinnatus Savings and Loan 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.
The standout move of Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 6.61 percentage points lower than in Q2 2026, at 186.04%. Within Ohio, The Cincinnatus Savings and Loan Company is 86th of 156 on loan-to-deposit ratio, 80.40% as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; The Cincinnatus Savings and Loan Company reported 80.40% for Q3 2026, nearly level with it; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $128.7M |
| Net loans and leases | $127.3M |
| Loans held for sale | $0 |
| Loans to total assets | 67.84% |
| Loan-to-deposit ratio | 80.40% |
| Net loans to equity capital | 4.53% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.91% |
| Multifamily (5+ residential) | 7.19% |
| Commercial and industrial | 5.71% |
| Consumer | 1.35% |
| Credit cards | 0.00% |
| Farm | 1.56% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 186.04% |
| Construction concentration (Tier 1 capital + allowance) | 20.30% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 5.95% |
| Interest income on loans | $1.9M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $115.5M | $104.0M | 37.29% | 1.86% | 3.66% |
| Q1 2024 | $116.7M | $109.0M | 37.22% | 2.19% | 3.40% |
| Q2 2024 | $115.4M | $106.5M | 37.37% | 2.21% | 2.09% |
| Q3 2024 | $114.8M | $136.3M | 36.69% | 2.22% | 2.00% |
| Q4 2024 | $116.5M | $134.6M | 35.72% | 2.35% | 1.97% |
| Q1 2025 | $119.4M | $143.3M | 38.33% | 3.38% | 1.79% |
| Q2 2025 | $128.4M | $142.1M | 36.69% | 3.57% | 1.97% |
| Q3 2025 | $125.3M | $148.0M | 40.01% | 3.56% | 1.89% |
| Q4 2025 | $129.6M | $154.7M | 40.66% | 4.67% | 1.63% |
| Q1 2026 | $126.1M | $161.6M | 40.85% | 4.57% | 1.64% |
| Q2 2026 | $128.3M | $163.0M | 41.10% | 7.02% | 1.43% |
| Q3 2026 | $128.7M | $160.0M | 42.91% | 5.71% | 1.35% |
The Cincinnatus Savings and Loan Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Cincinnatus Savings and Loan 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 Cincinnatus Savings and Loan Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28157) · FFIEC NIC profile (RSSD 815772)