Fortuna 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.
CRE concentration (Tier 1 capital + allowance) climbed 17.32 percentage points in Q2 2026, from 61.70% to 79.02%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Fortuna Bank is 113th of 156 on loan-to-deposit ratio, 73.13% as of Q2 2026. The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Fortuna Bank sits 5.81 points higher, at 73.13% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $27.8M |
| Net loans and leases | $27.5M |
| Loans held for sale | $662K |
| Loans to total assets | 48.52% |
| Loan-to-deposit ratio | 73.13% |
| Net loans to equity capital | 1.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 52.10% |
| Multifamily (5+ residential) | 15.97% |
| Commercial and industrial | 2.17% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 79.02% |
| Construction concentration (Tier 1 capital + allowance) | 17.43% |
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 | 6.69% |
| Interest income on loans | $420K |
Loan Portfolio trend
Last 7 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 |
|---|---|---|---|---|---|
| Q4 2024 | $0 | $582K | — | — | — |
| Q1 2025 | $3.0M | $16.3M | 59.58% | 4.19% | 0.00% |
| Q2 2025 | $4.1M | $23.0M | 51.97% | 2.92% | 0.00% |
| Q3 2025 | $7.7M | $20.2M | 66.45% | 1.49% | 0.00% |
| Q4 2025 | $11.8M | $22.4M | 54.06% | 2.02% | 0.00% |
| Q1 2026 | $24.3M | $30.1M | 56.02% | 1.44% | 0.00% |
| Q2 2026 | $27.8M | $38.0M | 52.10% | 2.17% | 0.00% |
Fortuna Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fortuna 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 Fortuna Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59330) · FFIEC NIC profile (RSSD 5837377)