First State Bank: 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 Loans held for sale: 33.5% lower than in Q1 2026, at $747K. First State Bank has the 10th lowest loan-to-deposit ratio of the 156 banks headquartered in Ohio, at 52.30% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. First State Bank sits 35.90 points lower, at 52.30% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $574.1M |
| Net loans and leases | $565.8M |
| Loans held for sale | $747K |
| Loans to total assets | 46.27% |
| Loan-to-deposit ratio | 52.30% |
| Net loans to equity capital | 5.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.50% |
| Multifamily (5+ residential) | 4.97% |
| Commercial and industrial | 2.31% |
| Consumer | 4.61% |
| Credit cards | 0.07% |
| Farm | 6.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 183.52% |
| Construction concentration (Tier 1 capital + allowance) | 11.97% |
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 | 6.25% |
| Interest income on loans | $8.9M |
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 | $461.1M | $844.4M | 30.28% | 2.51% | 6.80% |
| Q4 2023 | $466.8M | $875.4M | 30.18% | 2.47% | 6.57% |
| Q1 2024 | $468.7M | $907.5M | 30.44% | 2.41% | 6.42% |
| Q2 2024 | $482.4M | $988.0M | 31.30% | 2.45% | 6.30% |
| Q3 2024 | $508.4M | $978.5M | 31.44% | 2.58% | 5.94% |
| Q4 2024 | $520.8M | $953.8M | 33.22% | 2.49% | 5.79% |
| Q1 2025 | $542.9M | $990.7M | 35.22% | 2.49% | 5.40% |
| Q2 2025 | $538.7M | $1.05B | 35.75% | 2.39% | 5.35% |
| Q3 2025 | $556.5M | $1.03B | 36.16% | 2.42% | 5.13% |
| Q4 2025 | $564.4M | $1.04B | 38.03% | 2.44% | 4.80% |
| Q1 2026 | $572.1M | $1.08B | 39.89% | 2.15% | 4.68% |
| Q2 2026 | $574.1M | $1.10B | 40.50% | 2.31% | 4.61% |
First State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank, 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9437) · FFIEC NIC profile (RSSD 294023)