The First National Bank of Sycamore: 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.
Construction concentration (tier 1 capital + allowance) dropped 3.26 percentage points in Q2 2026, from 33.39% to 30.13%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Sycamore ranks 109th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 73.82% (Q2 2026). The First National Bank of Sycamore reported 73.82% on loan-to-deposit ratio for Q2 2026, 7.02 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $153.1M |
| Net loans and leases | $151.5M |
| Loans held for sale | $0 |
| Loans to total assets | 63.94% |
| Loan-to-deposit ratio | 73.82% |
| Net loans to equity capital | 7.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.50% |
| Multifamily (5+ residential) | 3.32% |
| Commercial and industrial | 9.53% |
| Consumer | 2.67% |
| Credit cards | 0.00% |
| Farm | 7.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 136.90% |
| Construction concentration (Tier 1 capital + allowance) | 30.13% |
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 | 6.26% |
| Interest income on loans | $2.3M |
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 | $116.7M | $175.1M | 24.56% | 9.38% | 3.45% |
| Q4 2023 | $122.7M | $172.5M | 25.36% | 8.64% | 3.06% |
| Q1 2024 | $123.8M | $178.5M | 27.95% | 8.89% | 3.03% |
| Q2 2024 | $124.7M | $188.2M | 29.04% | 8.72% | 3.34% |
| Q3 2024 | $128.2M | $194.3M | 29.93% | 8.35% | 3.33% |
| Q4 2024 | $129.5M | $195.7M | 27.91% | 8.41% | 3.28% |
| Q1 2025 | $130.0M | $210.3M | 27.38% | 9.21% | 3.08% |
| Q2 2025 | $135.1M | $206.6M | 26.37% | 9.00% | 3.22% |
| Q3 2025 | $139.1M | $208.9M | 27.68% | 8.25% | 3.21% |
| Q4 2025 | $144.8M | $202.7M | 28.76% | 8.65% | 3.05% |
| Q1 2026 | $147.9M | $208.1M | 28.52% | 9.67% | 2.73% |
| Q2 2026 | $153.1M | $207.4M | 28.50% | 9.53% | 2.67% |
The First National Bank of Sycamore 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 Sycamore, 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 Sycamore profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6706) · FFIEC NIC profile (RSSD 553926)