Credit First 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.
Credit First N.A. reported little change from Q1 2026 to Q2 2026. Loans to total assets showed the biggest shift, 0.00% to 0.00%. Credit First N.A. has the 2nd lowest loan-to-deposit ratio of the 156 banks headquartered in Ohio, at 0.00% as of Q2 2026. Credit First N.A.'s loan-to-deposit ratio of 0.00% is well below the 67.92% median for banks in the < $100M asset tier, a gap of 67.92 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $0 |
| Net loans and leases | $0 |
| Loans held for sale | $0 |
| Loans to total assets | 0.00% |
| Loan-to-deposit ratio | 0.00% |
| Net loans to equity capital | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | $0 |
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 | CRE to capital | Construction and development to capital |
|---|---|---|---|---|
| Q3 2023 | $0 | $500K | 0.00% | 0.00% |
| Q4 2023 | $0 | $500K | 0.00% | 0.00% |
| Q1 2024 | $0 | $500K | 0.00% | 0.00% |
| Q2 2024 | $0 | $500K | 0.00% | 0.00% |
| Q3 2024 | $0 | $500K | 0.00% | 0.00% |
| Q4 2024 | $0 | $500K | 0.00% | 0.00% |
| Q1 2025 | $0 | $500K | 0.00% | 0.00% |
| Q2 2025 | $0 | $500K | 0.00% | 0.00% |
| Q3 2025 | $0 | $500K | 0.00% | 0.00% |
| Q4 2025 | $0 | $500K | 0.00% | 0.00% |
| Q1 2026 | $0 | $500K | 0.00% | 0.00% |
| Q2 2026 | $0 | $500K | 0.00% | 0.00% |
Credit First N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Credit First 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 Credit First N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33855) · FFIEC NIC profile (RSSD 2122997)