Community First Bank, N.A.: 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.
Loan-to-deposit ratio climbed 6.44 percentage points in Q2 2026, from 61.02% to 67.47%. It was the largest change from Q1 2026 among the key lines here. Community First Bank, N.A. ranks 124th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 67.47% (Q2 2026). At 67.47%, Community First Bank, N.A.'s loan-to-deposit ratio is close to the 67.92% median for banks in the < $100M asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $34.5M |
| Net loans and leases | $34.3M |
| Loans held for sale | $0 |
| Loans to total assets | 61.19% |
| Loan-to-deposit ratio | 67.47% |
| Net loans to equity capital | 6.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.36% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.71% |
| Consumer | 4.83% |
| Credit cards | 0.31% |
| Farm | 23.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.70% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 9.26% |
| Construction concentration (Tier 1 capital + allowance) | 9.26% |
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 | 5.31% |
| Interest income on loans | $451K |
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 | $30.1M | $57.3M | 1.30% | 9.15% | 4.38% |
| Q4 2023 | $30.9M | $56.6M | 0.36% | 9.90% | 4.35% |
| Q1 2024 | $30.5M | $55.9M | 0.44% | 9.62% | 4.13% |
| Q2 2024 | $30.2M | $53.2M | 0.44% | 9.35% | 4.18% |
| Q3 2024 | $30.6M | $52.8M | 0.42% | 9.37% | 4.30% |
| Q4 2024 | $31.0M | $50.7M | 0.57% | 8.71% | 4.12% |
| Q1 2025 | $30.1M | $53.4M | 0.59% | 8.63% | 4.03% |
| Q2 2025 | $30.7M | $52.3M | 0.55% | 8.55% | 4.64% |
| Q3 2025 | $30.6M | $52.8M | 0.54% | 7.95% | 4.69% |
| Q4 2025 | $31.7M | $50.3M | 0.51% | 7.66% | 5.00% |
| Q1 2026 | $32.5M | $53.2M | 0.48% | 7.20% | 5.11% |
| Q2 2026 | $34.5M | $51.1M | 0.36% | 6.71% | 4.83% |
Community First Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community First Bank, N.A., 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 Community First Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6584) · FFIEC NIC profile (RSSD 579319)