First Federal Bank of Ohio: 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.
Loan-to-deposit ratio climbed 0.83 percentage points in Q2 2026, from 51.46% to 52.29%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First Federal Bank of Ohio is 9th from the bottom among 156 Ohio banks, 52.29% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First Federal Bank of Ohio sits 28.66 points lower, at 52.29% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $120.9M |
| Net loans and leases | $120.3M |
| Loans held for sale | $668K |
| Loans to total assets | 42.74% |
| Loan-to-deposit ratio | 52.29% |
| Net loans to equity capital | 2.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.67% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.10% |
| Consumer | 5.94% |
| Credit cards | 0.12% |
| Farm | 1.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 35.90% |
| Construction concentration (Tier 1 capital + allowance) | 12.52% |
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 | 5.31% |
| Interest income on loans | $1.6M |
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 | $110.9M | $233.3M | 12.98% | 0.22% | 2.64% |
| Q4 2023 | $114.8M | $235.1M | 14.11% | 0.22% | 2.54% |
| Q1 2024 | $112.3M | $229.2M | 14.28% | 0.31% | 2.77% |
| Q2 2024 | $115.5M | $227.9M | 13.72% | 0.29% | 2.71% |
| Q3 2024 | $113.1M | $226.8M | 13.84% | 0.23% | 2.93% |
| Q4 2024 | $117.5M | $238.9M | 14.11% | 0.18% | 2.81% |
| Q1 2025 | $118.1M | $242.1M | 13.60% | 0.15% | 2.68% |
| Q2 2025 | $118.8M | $238.8M | 11.15% | 0.14% | 2.68% |
| Q3 2025 | $119.1M | $235.4M | 11.06% | 0.13% | 2.82% |
| Q4 2025 | $120.5M | $233.7M | 10.77% | 0.12% | 4.75% |
| Q1 2026 | $120.8M | $234.8M | 10.73% | 0.11% | 5.48% |
| Q2 2026 | $120.9M | $231.2M | 10.67% | 0.10% | 5.94% |
First Federal Bank of Ohio loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Bank of Ohio, 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 First Federal Bank of Ohio profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27643) · FFIEC NIC profile (RSSD 207470)