The First Central National Bank of Saint Paris: 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 8.03 percentage points higher than in Q1 2026, at 43.59%. Within Ohio, The First Central National Bank of Saint Paris is 97th of 156 on loan-to-deposit ratio, 76.81% as of Q2 2026, below the middle of the field. The First Central National Bank of Saint Paris reported 76.81% on loan-to-deposit ratio for Q2 2026, 8.88 points above the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $59.0M |
| Net loans and leases | $58.5M |
| Loans held for sale | $0 |
| Loans to total assets | 60.84% |
| Loan-to-deposit ratio | 76.81% |
| Net loans to equity capital | 3.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.58% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.25% |
| Consumer | 2.46% |
| Credit cards | 0.00% |
| Farm | 29.76% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 43.59% |
| 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 | 5.58% |
| Interest income on loans | $804K |
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 | $51.0M | $80.5M | 10.97% | 4.17% | 3.17% |
| Q4 2023 | $53.4M | $77.1M | 12.95% | 4.30% | 2.80% |
| Q1 2024 | $52.1M | $75.5M | 14.16% | 3.96% | 3.06% |
| Q2 2024 | $53.5M | $73.6M | 14.04% | 4.05% | 2.86% |
| Q3 2024 | $55.0M | $72.2M | 14.87% | 3.87% | 2.83% |
| Q4 2024 | $56.2M | $73.1M | 15.73% | 3.88% | 2.74% |
| Q1 2025 | $56.3M | $75.3M | 16.21% | 4.07% | 2.62% |
| Q2 2025 | $54.5M | $75.3M | 16.30% | 4.10% | 2.57% |
| Q3 2025 | $55.5M | $78.3M | 15.76% | 5.16% | 2.72% |
| Q4 2025 | $58.0M | $78.0M | 16.70% | 5.68% | 2.57% |
| Q1 2026 | $58.1M | $79.0M | 18.33% | 4.84% | 2.43% |
| Q2 2026 | $59.0M | $76.8M | 20.58% | 4.25% | 2.46% |
The First Central National Bank of Saint Paris loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First Central National Bank of Saint Paris, 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 First Central National Bank of Saint Paris profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15214) · FFIEC NIC profile (RSSD 538222)