The First National Bank of Bellevue: 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): 2.34 percentage points lower than in Q1 2026, at 109.67%. The First National Bank of Bellevue ranks 136th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 61.90% (Q2 2026). The First National Bank of Bellevue reported 61.90% on loan-to-deposit ratio for Q2 2026, 18.93 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $171.4M |
| Net loans and leases | $168.6M |
| Loans held for sale | $0 |
| Loans to total assets | 55.33% |
| Loan-to-deposit ratio | 61.90% |
| Net loans to equity capital | 5.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 47.79% |
| Multifamily (5+ residential) | 5.36% |
| Commercial and industrial | 10.15% |
| Consumer | 1.81% |
| Credit cards | 0.38% |
| Farm | 3.33% |
| Loans to depository institutions | 0.53% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 109.67% |
| Construction concentration (Tier 1 capital + allowance) | 3.66% |
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 | 6.51% |
| Interest income on loans | $2.8M |
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 | $173.7M | $267.5M | 48.08% | 14.31% | 2.54% |
| Q4 2023 | $185.4M | $255.8M | 48.87% | 12.83% | 2.62% |
| Q1 2024 | $183.9M | $271.6M | 47.64% | 13.28% | 2.49% |
| Q2 2024 | $183.6M | $257.4M | 47.96% | 13.03% | 2.44% |
| Q3 2024 | $180.2M | $274.4M | 47.28% | 12.51% | 2.29% |
| Q4 2024 | $178.6M | $264.6M | 46.75% | 11.71% | 2.23% |
| Q1 2025 | $178.4M | $289.1M | 46.76% | 11.06% | 1.65% |
| Q2 2025 | $180.6M | $279.0M | 46.06% | 11.62% | 1.69% |
| Q3 2025 | $178.2M | $298.4M | 47.29% | 10.37% | 1.62% |
| Q4 2025 | $174.0M | $278.3M | 47.61% | 11.29% | 1.89% |
| Q1 2026 | $173.1M | $285.7M | 47.60% | 10.74% | 1.97% |
| Q2 2026 | $171.4M | $276.8M | 47.79% | 10.15% | 1.81% |
The First National Bank of Bellevue loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Bellevue, 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 National Bank of Bellevue profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6528) · FFIEC NIC profile (RSSD 243414)