Community Savings 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 Loan-to-deposit ratio: 13.01 percentage points lower than in Q1 2026, at 97.18%. Community Savings Bank ranks 28th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 97.18% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Community Savings Bank sits 16.35 points higher, at 97.18% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $92.3M |
| Net loans and leases | $91.9M |
| Loans held for sale | $0 |
| Loans to total assets | 77.16% |
| Loan-to-deposit ratio | 97.18% |
| Net loans to equity capital | 5.73% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.10% |
| Multifamily (5+ residential) | 10.57% |
| Commercial and industrial | 7.80% |
| Consumer | 16.69% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 132.15% |
| Construction concentration (Tier 1 capital + allowance) | 15.95% |
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 | 6.15% |
| Interest income on loans | $1.4M |
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 | $74.6M | $69.0M | 14.42% | 14.56% | 0.03% |
| Q4 2023 | $74.8M | $69.7M | 14.50% | 14.23% | 0.03% |
| Q1 2024 | $75.0M | $70.5M | 16.08% | 12.96% | 0.03% |
| Q2 2024 | $77.7M | $72.8M | 17.00% | 12.13% | 2.90% |
| Q3 2024 | $77.5M | $73.6M | 16.31% | 13.06% | 2.84% |
| Q4 2024 | $77.0M | $72.9M | 14.76% | 11.91% | 3.40% |
| Q1 2025 | $77.8M | $72.4M | 14.12% | 11.76% | 4.04% |
| Q2 2025 | $95.6M | $84.2M | 13.39% | 8.68% | 18.69% |
| Q3 2025 | $95.2M | $84.3M | 12.46% | 8.44% | 19.93% |
| Q4 2025 | $93.0M | $82.7M | 12.33% | 8.24% | 18.79% |
| Q1 2026 | $92.0M | $83.5M | 13.52% | 7.90% | 17.05% |
| Q2 2026 | $92.3M | $95.0M | 13.10% | 7.80% | 16.69% |
Community Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Savings 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 Community Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32286) · FFIEC NIC profile (RSSD 847979)