The First National Bank of Dennison, 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.18 percentage points higher than in Q1 2026, at 65.76%. The First National Bank of Dennison, Ohio ranks 127th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 65.76% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The First National Bank of Dennison, Ohio sits 15.18 points lower, at 65.76% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $162.8M |
| Net loans and leases | $161.0M |
| Loans held for sale | $228K |
| Loans to total assets | 60.88% |
| Loan-to-deposit ratio | 65.76% |
| Net loans to equity capital | 8.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.41% |
| Multifamily (5+ residential) | 1.71% |
| Commercial and industrial | 8.44% |
| Consumer | 43.50% |
| Credit cards | 0.34% |
| Farm | 0.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.78% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 48.25% |
| Construction concentration (Tier 1 capital + allowance) | 5.50% |
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 | 7.65% |
| Interest income on loans | $3.0M |
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 | $167.8M | $263.3M | 14.64% | 5.99% | 41.66% |
| Q4 2023 | $167.4M | $265.2M | 15.16% | 6.13% | 41.51% |
| Q1 2024 | $168.8M | $257.6M | 14.56% | 6.02% | 42.37% |
| Q2 2024 | $168.5M | $258.0M | 14.43% | 5.79% | 43.27% |
| Q3 2024 | $165.7M | $264.1M | 14.73% | 5.45% | 43.11% |
| Q4 2024 | $160.1M | $253.4M | 14.83% | 5.88% | 42.33% |
| Q1 2025 | $156.1M | $249.7M | 15.39% | 5.63% | 41.98% |
| Q2 2025 | $153.5M | $254.1M | 14.70% | 5.42% | 43.51% |
| Q3 2025 | $154.4M | $254.3M | 13.83% | 6.28% | 44.04% |
| Q4 2025 | $154.1M | $253.0M | 13.58% | 8.34% | 41.63% |
| Q1 2026 | $155.2M | $252.1M | 12.81% | 8.65% | 42.90% |
| Q2 2026 | $162.8M | $247.5M | 11.41% | 8.44% | 43.50% |
The First National Bank of Dennison, Ohio 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 Dennison, 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 The First National Bank of Dennison, Ohio profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6574) · FFIEC NIC profile (RSSD 935719)