First National Bank in New Bremen: 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): 6.12 percentage points lower than in Q1 2026, at 48.69%. On loan-to-deposit ratio, First National Bank in New Bremen is 6th from the bottom among 156 Ohio banks, 35.54% (Q2 2026). First National Bank in New Bremen's loan-to-deposit ratio of 35.54% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 45.29 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $148.6M |
| Net loans and leases | $145.8M |
| Loans held for sale | $286K |
| Loans to total assets | 31.82% |
| Loan-to-deposit ratio | 35.54% |
| Net loans to equity capital | 3.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.11% |
| Multifamily (5+ residential) | 6.68% |
| Commercial and industrial | 10.03% |
| Consumer | 1.09% |
| Credit cards | 0.56% |
| Farm | 20.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.58% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 48.69% |
| Construction concentration (Tier 1 capital + allowance) | 4.05% |
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 | 6.32% |
| Interest income on loans | $2.4M |
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 | $131.3M | $379.3M | 21.64% | 12.56% | 1.50% |
| Q4 2023 | $130.4M | $400.8M | 21.20% | 11.09% | 1.52% |
| Q1 2024 | $138.4M | $376.4M | 22.18% | 13.98% | 1.46% |
| Q2 2024 | $146.8M | $394.2M | 20.30% | 12.83% | 1.37% |
| Q3 2024 | $145.9M | $399.3M | 20.15% | 10.84% | 1.41% |
| Q4 2024 | $149.9M | $406.0M | 20.21% | 11.62% | 1.35% |
| Q1 2025 | $153.0M | $408.6M | 20.67% | 10.61% | 1.20% |
| Q2 2025 | $154.8M | $393.7M | 20.46% | 10.91% | 1.20% |
| Q3 2025 | $154.5M | $396.6M | 21.02% | 10.60% | 1.26% |
| Q4 2025 | $151.9M | $408.4M | 21.19% | 7.27% | 1.32% |
| Q1 2026 | $152.2M | $409.5M | 20.37% | 8.23% | 1.06% |
| Q2 2026 | $148.6M | $418.1M | 20.11% | 10.03% | 1.09% |
First National Bank in New Bremen loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in New Bremen, 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 National Bank in New Bremen profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14836) · FFIEC NIC profile (RSSD 204826)