The Citizens National Bank of McConnelsville: 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): 1.57 percentage points higher than in Q1 2026, at 39.62%. Within Ohio, The Citizens National Bank of McConnelsville is 68th of 156 on loan-to-deposit ratio, 84.72% as of Q2 2026, above the middle of the field. The Citizens National Bank of McConnelsville reported 84.72% on loan-to-deposit ratio for Q2 2026, 3.88 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $72.2M |
| Net loans and leases | $71.4M |
| Loans held for sale | $0 |
| Loans to total assets | 70.69% |
| Loan-to-deposit ratio | 84.72% |
| Net loans to equity capital | 6.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.29% |
| Multifamily (5+ residential) | 1.37% |
| Commercial and industrial | 7.41% |
| Consumer | 6.47% |
| Credit cards | 0.00% |
| Farm | 2.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.46% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 39.62% |
| Construction concentration (Tier 1 capital + allowance) | 16.00% |
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 | 7.22% |
| Interest income on loans | $1.3M |
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 | $79.2M | $90.8M | 7.39% | 8.98% | 7.86% |
| Q4 2023 | $79.1M | $89.2M | 7.28% | 6.80% | 7.81% |
| Q1 2024 | $78.4M | $89.8M | 7.43% | 7.20% | 7.73% |
| Q2 2024 | $77.9M | $88.9M | 7.41% | 7.19% | 7.43% |
| Q3 2024 | $78.4M | $93.0M | 7.25% | 7.38% | 7.51% |
| Q4 2024 | $78.5M | $91.6M | 6.99% | 7.13% | 7.08% |
| Q1 2025 | $76.9M | $91.1M | 7.52% | 7.54% | 6.88% |
| Q2 2025 | $76.0M | $92.6M | 7.46% | 7.64% | 6.93% |
| Q3 2025 | $76.0M | $90.8M | 6.93% | 7.70% | 6.80% |
| Q4 2025 | $76.2M | $88.1M | 7.00% | 7.14% | 6.36% |
| Q1 2026 | $74.5M | $86.7M | 7.09% | 7.40% | 6.31% |
| Q2 2026 | $72.2M | $85.2M | 7.29% | 7.41% | 6.47% |
The Citizens National Bank of McConnelsville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens National Bank of McConnelsville, 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 Citizens National Bank of McConnelsville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6638) · FFIEC NIC profile (RSSD 685023)