Consumers National 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.
Construction concentration (tier 1 capital + allowance) climbed 4.44 percentage points in Q2 2026, from 38.35% to 42.79%. It was the largest change from Q1 2026 among the key lines here. Consumers National Bank ranks 72nd of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 83.72% (Q2 2026). Consumers National Bank reported 83.72% on loan-to-deposit ratio for Q2 2026, 4.48 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $938.6M |
| Net loans and leases | $929.3M |
| Loans held for sale | $1.1M |
| Loans to total assets | 73.36% |
| Loan-to-deposit ratio | 83.72% |
| Net loans to equity capital | 10.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.72% |
| Multifamily (5+ residential) | 6.28% |
| Commercial and industrial | 12.67% |
| Consumer | 15.65% |
| Credit cards | 0.01% |
| Farm | 5.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.34% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 188.72% |
| Construction concentration (Tier 1 capital + allowance) | 42.79% |
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 | 5.78% |
| Interest income on loans | $13.2M |
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 | $717.9M | $961.4M | 33.82% | 13.28% | 9.53% |
| Q4 2023 | $736.2M | $948.6M | 33.40% | 13.02% | 9.74% |
| Q1 2024 | $742.6M | $975.3M | 33.18% | 13.47% | 9.70% |
| Q2 2024 | $760.0M | $973.0M | 33.31% | 12.42% | 9.52% |
| Q3 2024 | $768.7M | $999.0M | 33.03% | 11.49% | 9.82% |
| Q4 2024 | $763.5M | $997.9M | 32.68% | 12.03% | 10.22% |
| Q1 2025 | $768.1M | $1.03B | 33.68% | 11.96% | 12.60% |
| Q2 2025 | $814.3M | $1.04B | 32.26% | 12.84% | 13.74% |
| Q3 2025 | $835.4M | $1.07B | 31.33% | 12.82% | 14.04% |
| Q4 2025 | $872.7M | $1.09B | 31.40% | 12.70% | 13.63% |
| Q1 2026 | $905.3M | $1.11B | 30.45% | 13.66% | 14.04% |
| Q2 2026 | $938.6M | $1.12B | 29.72% | 12.67% | 15.65% |
Consumers National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Consumers National 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 Consumers National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19482) · FFIEC NIC profile (RSSD 477321)