The Fahey Banking Company: 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 9.43 percentage points in Q2 2026, from 371.52% to 380.95%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Fahey Banking Company is 17th of 156 on loan-to-deposit ratio, 101.57% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Fahey Banking Company sits 20.73 points higher, at 101.57% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $310.7M |
| Net loans and leases | $307.0M |
| Loans held for sale | $0 |
| Loans to total assets | 80.78% |
| Loan-to-deposit ratio | 101.57% |
| Net loans to equity capital | 5.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 74.13% |
| Multifamily (5+ residential) | 10.10% |
| Commercial and industrial | 1.43% |
| Consumer | 0.24% |
| Credit cards | 0.00% |
| Farm | 0.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 380.95% |
| Construction concentration (Tier 1 capital + allowance) | 26.35% |
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 | 6.59% |
| Interest income on loans | $5.0M |
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 | $202.1M | $221.8M | 68.95% | 2.44% | 0.47% |
| Q4 2023 | $216.4M | $238.5M | 68.76% | 2.47% | 0.44% |
| Q1 2024 | $227.6M | $256.2M | 67.59% | 2.65% | 0.46% |
| Q2 2024 | $234.0M | $255.2M | 67.31% | 2.61% | 0.43% |
| Q3 2024 | $252.9M | $272.8M | 67.29% | 2.49% | 0.43% |
| Q4 2024 | $260.6M | $277.8M | 65.91% | 2.29% | 0.40% |
| Q1 2025 | $272.4M | $300.5M | 66.07% | 2.31% | 0.34% |
| Q2 2025 | $270.1M | $294.0M | 65.27% | 2.24% | 0.35% |
| Q3 2025 | $276.2M | $295.4M | 66.47% | 1.93% | 0.33% |
| Q4 2025 | $301.5M | $318.1M | 71.59% | 1.69% | 0.30% |
| Q1 2026 | $305.6M | $312.5M | 74.45% | 1.56% | 0.25% |
| Q2 2026 | $310.7M | $305.9M | 74.13% | 1.43% | 0.24% |
The Fahey Banking Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fahey Banking Company, 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 Fahey Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2068) · FFIEC NIC profile (RSSD 520423)