The Galion Building and Loan 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) dropped 5.14 percentage points in Q2 2026, from 38.47% to 33.33%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Galion Building and Loan Bank is 55th of 156 on loan-to-deposit ratio, 88.37% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Galion Building and Loan Bank sits 20.75 points higher, at 88.37% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $55.9M |
| Net loans and leases | $55.6M |
| Loans held for sale | $0 |
| Loans to total assets | 71.25% |
| Loan-to-deposit ratio | 88.37% |
| Net loans to equity capital | 6.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.90% |
| Multifamily (5+ residential) | 0.33% |
| Commercial and industrial | 5.16% |
| Consumer | 12.32% |
| 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) | 33.33% |
| Construction concentration (Tier 1 capital + allowance) | 10.65% |
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 | 5.51% |
| Interest income on loans | $760K |
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 | $56.6M | $61.3M | 5.46% | 12.44% | 9.10% |
| Q4 2023 | $55.7M | $61.8M | 5.38% | 11.80% | 9.71% |
| Q1 2024 | $54.3M | $61.5M | 5.40% | 11.10% | 9.74% |
| Q2 2024 | $55.2M | $60.3M | 5.23% | 10.15% | 12.50% |
| Q3 2024 | $54.9M | $61.8M | 5.45% | 9.52% | 11.83% |
| Q4 2024 | $56.2M | $63.1M | 5.28% | 8.71% | 13.67% |
| Q1 2025 | $55.4M | $62.5M | 5.29% | 8.68% | 12.65% |
| Q2 2025 | $56.5M | $62.7M | 4.92% | 7.65% | 13.19% |
| Q3 2025 | $57.1M | $62.9M | 5.01% | 6.80% | 12.45% |
| Q4 2025 | $55.3M | $63.8M | 5.00% | 6.41% | 11.81% |
| Q1 2026 | $54.6M | $64.3M | 5.11% | 5.73% | 11.58% |
| Q2 2026 | $55.9M | $63.3M | 4.90% | 5.16% | 12.32% |
The Galion Building and Loan Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Galion Building and Loan 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 The Galion Building and Loan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32307) · FFIEC NIC profile (RSSD 24378)