The Conneaut 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 CRE concentration (Tier 1 capital + allowance): 10.64 percentage points lower than in Q1 2026, at 76.27%. Within Ohio, The Conneaut Savings Bank is 74th of 156 on loan-to-deposit ratio, 82.79% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Conneaut Savings Bank sits 15.17 points higher, at 82.79% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $54.1M |
| Net loans and leases | $53.8M |
| Loans held for sale | $0 |
| Loans to total assets | 70.47% |
| Loan-to-deposit ratio | 82.79% |
| Net loans to equity capital | 5.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.35% |
| Multifamily (5+ residential) | 8.26% |
| Commercial and industrial | 2.98% |
| Consumer | 0.31% |
| Credit cards | 0.00% |
| Farm | 0.44% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 76.27% |
| Construction concentration (Tier 1 capital + allowance) | 16.33% |
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 | 5.35% |
| Interest income on loans | $725K |
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 | $51.8M | $64.2M | 11.75% | 2.22% | 0.53% |
| Q4 2023 | $53.0M | $62.2M | 11.40% | 2.46% | 0.37% |
| Q1 2024 | $52.1M | $61.7M | 11.57% | 2.62% | 0.35% |
| Q2 2024 | $51.7M | $63.4M | 11.56% | 3.08% | 0.34% |
| Q3 2024 | $51.4M | $63.0M | 11.31% | 3.03% | 0.31% |
| Q4 2024 | $51.3M | $62.5M | 11.21% | 2.98% | 0.28% |
| Q1 2025 | $51.9M | $63.6M | 12.56% | 1.70% | 0.22% |
| Q2 2025 | $52.8M | $64.1M | 12.47% | 1.74% | 0.22% |
| Q3 2025 | $51.6M | $63.0M | 12.44% | 1.65% | 0.25% |
| Q4 2025 | $52.8M | $64.6M | 10.43% | 3.19% | 0.28% |
| Q1 2026 | $55.0M | $64.4M | 11.99% | 2.94% | 0.28% |
| Q2 2026 | $54.1M | $65.3M | 10.35% | 2.98% | 0.31% |
The Conneaut Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Conneaut 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 The Conneaut Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28677) · FFIEC NIC profile (RSSD 203575)