The Commercial and Savings Bank of Millersburg, Ohio: 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 Construction concentration (Tier 1 capital + allowance): 3.64 percentage points higher than in Q1 2026, at 38.97%. The Commercial and Savings Bank of Millersburg, Ohio ranks 99th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 76.63% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Commercial and Savings Bank of Millersburg, Ohio sits 11.58 points lower, at 76.63% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $869.5M |
| Net loans and leases | $856.0M |
| Loans held for sale | $150K |
| Loans to total assets | 67.13% |
| Loan-to-deposit ratio | 76.63% |
| Net loans to equity capital | 6.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.98% |
| Multifamily (5+ residential) | 1.09% |
| Commercial and industrial | 15.67% |
| Consumer | 1.63% |
| Credit cards | 0.00% |
| Farm | 1.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 136.28% |
| Construction concentration (Tier 1 capital + allowance) | 38.97% |
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 | — |
| Interest income on loans | $13.0M |
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 | $680.9M | $1.02B | 34.30% | 18.26% | 2.52% |
| Q4 2023 | $701.4M | $1.03B | 34.09% | 18.58% | 2.39% |
| Q1 2024 | $710.9M | $1.01B | 35.00% | 17.37% | 2.27% |
| Q2 2024 | $722.1M | $1.02B | 34.77% | 16.81% | 2.23% |
| Q3 2024 | $720.1M | $1.07B | 34.54% | 15.58% | 2.17% |
| Q4 2024 | $737.9M | $1.05B | 34.02% | 16.11% | 2.00% |
| Q1 2025 | $761.2M | $1.07B | 34.54% | 15.63% | 1.89% |
| Q2 2025 | $788.1M | $1.09B | 38.46% | 15.36% | 1.84% |
| Q3 2025 | $810.4M | $1.10B | 39.83% | 14.55% | 1.72% |
| Q4 2025 | $830.0M | $1.13B | 40.00% | 14.68% | 1.63% |
| Q1 2026 | $853.3M | $1.10B | 39.56% | 15.22% | 1.66% |
| Q2 2026 | $869.5M | $1.13B | 38.98% | 15.67% | 1.63% |
The Commercial and Savings Bank of Millersburg, Ohio loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Commercial and Savings Bank of Millersburg, Ohio, 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 Commercial and Savings Bank of Millersburg, Ohio profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9139) · FFIEC NIC profile (RSSD 189129)