The Farmers National Bank of Canfield: 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) dropped 6.57 percentage points in Q2 2026, from 205.36% to 198.79%. It was the largest change from Q1 2026 among the key lines here. The Farmers National Bank of Canfield ranks 79th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 81.44% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. The Farmers National Bank of Canfield sits 6.76 points lower, at 81.44% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.78B |
| Net loans and leases | $4.73B |
| Loans held for sale | $2.9M |
| Loans to total assets | 66.76% |
| Loan-to-deposit ratio | 81.44% |
| Net loans to equity capital | 5.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.38% |
| Multifamily (5+ residential) | 4.57% |
| Commercial and industrial | 11.31% |
| Consumer | 5.96% |
| Credit cards | 0.00% |
| Farm | 4.77% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 198.79% |
| Construction concentration (Tier 1 capital + allowance) | 27.95% |
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 | 6.12% |
| Interest income on loans | $73.0M |
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 | $3.17B | $4.57B | 33.75% | 10.00% | 8.74% |
| Q4 2023 | $3.20B | $4.24B | 34.43% | 9.61% | 8.59% |
| Q1 2024 | $3.18B | $4.25B | 34.10% | 9.35% | 8.52% |
| Q2 2024 | $3.24B | $4.26B | 33.46% | 9.68% | 8.74% |
| Q3 2024 | $3.28B | $4.42B | 32.70% | 9.62% | 8.63% |
| Q4 2024 | $3.27B | $4.32B | 33.02% | 9.49% | 8.36% |
| Q1 2025 | $3.25B | $4.52B | 33.12% | 9.05% | 8.31% |
| Q2 2025 | $3.31B | $4.43B | 33.14% | 9.65% | 8.06% |
| Q3 2025 | $3.34B | $4.44B | 33.62% | 9.20% | 7.89% |
| Q4 2025 | $3.31B | $4.37B | 33.20% | 9.10% | 8.18% |
| Q1 2026 | $4.80B | $5.94B | 34.73% | 11.19% | 5.77% |
| Q2 2026 | $4.78B | $5.87B | 34.38% | 11.31% | 5.96% |
The Farmers National Bank of Canfield loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers National Bank of Canfield, 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 Farmers National Bank of Canfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6540) · FFIEC NIC profile (RSSD 680813)