The First National Bank of McConnelsville: 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 2.76 percentage points in Q2 2026, from 61.31% to 64.07%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The First National Bank of McConnelsville is 132nd of 156 on loan-to-deposit ratio, 64.07% as of Q2 2026, below the middle of the field. The First National Bank of McConnelsville reported 64.07% on loan-to-deposit ratio for Q2 2026, 16.77 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $113.3M |
| Net loans and leases | $112.1M |
| Loans held for sale | $0 |
| Loans to total assets | 56.60% |
| Loan-to-deposit ratio | 64.07% |
| Net loans to equity capital | 5.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.34% |
| Multifamily (5+ residential) | 4.51% |
| Commercial and industrial | 4.58% |
| Consumer | 4.75% |
| Credit cards | 0.00% |
| Farm | 2.83% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.23% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 72.75% |
| Construction concentration (Tier 1 capital + allowance) | 13.99% |
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 | 6.34% |
| Interest income on loans | $1.8M |
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 | $108.5M | $169.2M | 11.97% | 7.14% | 6.68% |
| Q4 2023 | $110.0M | $169.2M | 11.47% | 7.20% | 6.94% |
| Q1 2024 | $110.4M | $173.9M | 11.69% | 6.01% | 6.81% |
| Q2 2024 | $111.5M | $175.0M | 11.71% | 6.56% | 6.56% |
| Q3 2024 | $110.1M | $168.4M | 11.19% | 6.36% | 6.46% |
| Q4 2024 | $110.1M | $173.2M | 11.34% | 6.24% | 6.22% |
| Q1 2025 | $106.8M | $176.2M | 11.79% | 5.62% | 6.10% |
| Q2 2025 | $108.4M | $179.6M | 10.74% | 5.87% | 5.84% |
| Q3 2025 | $108.7M | $177.6M | 10.93% | 6.33% | 5.55% |
| Q4 2025 | $110.3M | $179.8M | 10.43% | 5.76% | 5.12% |
| Q1 2026 | $110.2M | $179.7M | 10.60% | 5.00% | 4.74% |
| Q2 2026 | $113.3M | $176.9M | 10.34% | 4.58% | 4.75% |
The First National Bank of McConnelsville 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 McConnelsville, 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 McConnelsville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6637) · FFIEC NIC profile (RSSD 44929)