The Croghan Colonial 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.
Cre concentration (tier 1 capital + allowance) climbed 36.27 percentage points in Q2 2026, from 323.73% to 360.00%. It was the largest change from Q1 2026 among the key lines here. The Croghan Colonial Bank ranks 77th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 81.75% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Croghan Colonial Bank sits 6.45 points lower, at 81.75% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $893.8M |
| Net loans and leases | $883.9M |
| Loans held for sale | $463K |
| Loans to total assets | 63.18% |
| Loan-to-deposit ratio | 81.75% |
| Net loans to equity capital | 6.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 46.14% |
| Multifamily (5+ residential) | 12.43% |
| Commercial and industrial | 6.95% |
| Consumer | 8.56% |
| Credit cards | 0.30% |
| Farm | 0.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 360.00% |
| Construction concentration (Tier 1 capital + allowance) | 73.62% |
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 | 6.55% |
| Interest income on loans | $14.4M |
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 | $717.7M | $906.0M | 41.14% | 7.97% | 15.98% |
| Q4 2023 | $713.0M | $889.7M | 41.15% | 8.86% | 15.20% |
| Q1 2024 | $708.7M | $917.1M | 42.07% | 7.74% | 14.97% |
| Q2 2024 | $728.8M | $924.9M | 41.58% | 7.51% | 14.99% |
| Q3 2024 | $724.2M | $934.9M | 41.81% | 7.72% | 14.98% |
| Q4 2024 | $734.7M | $944.3M | 42.13% | 8.56% | 14.45% |
| Q1 2025 | $736.4M | $994.2M | 42.25% | 8.29% | 13.88% |
| Q2 2025 | $749.3M | $983.8M | 40.91% | 8.33% | 13.20% |
| Q3 2025 | $761.2M | $976.6M | 42.63% | 6.91% | 12.44% |
| Q4 2025 | $830.0M | $973.8M | 43.55% | 7.35% | 10.68% |
| Q1 2026 | $867.0M | $1.03B | 46.50% | 7.44% | 9.51% |
| Q2 2026 | $893.8M | $1.09B | 46.14% | 6.95% | 8.56% |
The Croghan Colonial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Croghan Colonial 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 Croghan Colonial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13341) · FFIEC NIC profile (RSSD 362717)