First Federal Savings and Loan Association of Van Wert, Oh: 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): 3.07 percentage points higher than in Q1 2026, at 61.61%. Within Ohio, First Federal Savings and Loan Association of Van Wert, Oh is 75th of 156 on loan-to-deposit ratio, 82.60% 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; First Federal Savings and Loan Association of Van Wert, Oh reported 82.60% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $140.1M |
| Net loans and leases | $139.8M |
| Loans held for sale | $0 |
| Loans to total assets | 70.97% |
| Loan-to-deposit ratio | 82.60% |
| Net loans to equity capital | 5.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.45% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.13% |
| Consumer | 1.03% |
| Credit cards | 0.00% |
| Farm | 2.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 61.61% |
| Construction concentration (Tier 1 capital + allowance) | 18.44% |
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 | 5.50% |
| Interest income on loans | $1.9M |
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 | $93.9M | $125.4M | 6.22% | 2.26% | 0.48% |
| Q4 2023 | $98.9M | $127.2M | 6.86% | 3.42% | 0.45% |
| Q1 2024 | $103.9M | $125.2M | 8.12% | 3.99% | 0.51% |
| Q2 2024 | $112.7M | $137.9M | 11.61% | 3.70% | 0.62% |
| Q3 2024 | $118.5M | $145.0M | 13.57% | 3.71% | 1.31% |
| Q4 2024 | $116.8M | $151.9M | 8.67% | 6.26% | 0.61% |
| Q1 2025 | $117.8M | $153.9M | 8.33% | 6.03% | 0.71% |
| Q2 2025 | $122.8M | $157.9M | 8.00% | 5.60% | 0.72% |
| Q3 2025 | $127.1M | $163.6M | 7.61% | 5.33% | 0.90% |
| Q4 2025 | $128.5M | $164.1M | 7.34% | 5.13% | 1.01% |
| Q1 2026 | $134.8M | $167.3M | 10.36% | 4.71% | 1.65% |
| Q2 2026 | $140.1M | $169.6M | 10.45% | 6.13% | 1.03% |
First Federal Savings and Loan Association of Van Wert, Oh loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings and Loan Association of Van Wert, Oh, 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 Savings and Loan Association of Van Wert, Oh profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29135) · FFIEC NIC profile (RSSD 820879)