First Bank of Central Ohio: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
First Bank of Central Ohio reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $207.3M in Q3 2026, up 9.5% from $189.3M in Q3 2025. That is 80.0% of its total assets. Across the 12 quarters shown it ranged from $114.2M (Q4 2023) to $207.3M (Q3 2026).
The standout move of Q3 2026 was in Loan-to-deposit ratio: 4.84 percentage points higher than in Q2 2026, at 90.62%. Within Ohio, First Bank of Central Ohio is 43rd of 154 on loan-to-deposit ratio, 90.62% as of Q3 2026. The median for banks in the $100M-1B asset tier is 81.45% on loan-to-deposit ratio. First Bank of Central Ohio sits 9.17 points higher, at 90.62% (Q3 2026).
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $207.3M |
| Net loans and leases | $204.7M |
| Loans held for sale | $1.1M |
| Loans to total assets | 79.95% |
| Loan-to-deposit ratio | 90.62% |
| Net loans to equity capital | 7.86× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
Largest change in this table: multifamily (5+ residential), down 1.39 points to 16.85% in Q3 2026 after 18.24% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.24% |
| Multifamily (5+ residential) | 16.85% |
| Commercial and industrial | 18.56% |
| Consumer | 0.12% |
| Credit cards | 0.00% |
| Farm | 0.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
Largest change in this table: construction concentration (Tier 1 capital + allowance), up 2.50 points to 45.95% in Q3 2026 after 43.45% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 334.51% |
| Construction concentration (Tier 1 capital + allowance) | 45.95% |
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
Yield on loans changed the most here, up 0.26 points to 6.67% in Q3 2026 from 6.41% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 6.67% |
| Interest income on loans | $3.4M |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $114.2M | $123.1M | 33.57% | 18.62% | 0.04% |
| Q1 2024 | $121.2M | $118.9M | 31.44% | 21.00% | 0.03% |
| Q2 2024 | $132.1M | $132.1M | 29.01% | 24.20% | 0.03% |
| Q3 2024 | $144.7M | $147.7M | 28.83% | 23.65% | 0.02% |
| Q4 2024 | $156.6M | $166.8M | 28.34% | 22.31% | 0.01% |
| Q1 2025 | $164.3M | $178.8M | 26.91% | 23.91% | 0.01% |
| Q2 2025 | $172.6M | $182.8M | 25.42% | 21.56% | 0.01% |
| Q3 2025 | $189.3M | $200.6M | 27.83% | 20.99% | 0.01% |
| Q4 2025 | $194.8M | $224.3M | 27.04% | 18.91% | 0.13% |
| Q1 2026 | $199.9M | $216.7M | 26.19% | 20.46% | 0.13% |
| Q2 2026 | $199.4M | $232.4M | 28.24% | 19.86% | 0.13% |
| Q3 2026 | $207.3M | $228.7M | 28.24% | 18.56% | 0.12% |
First Bank of Central Ohio loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full First Bank of Central Ohio profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 59249) · FFIEC NIC profile (RSSD 5528880)