The Genoa Banking Company: 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) climbed 5.36 percentage points in Q2 2026, from 41.06% to 46.42%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Genoa Banking Company is 63rd of 156 on loan-to-deposit ratio, 85.76% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Genoa Banking Company sits 4.93 points higher, at 85.76% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $570.1M |
| Net loans and leases | $564.2M |
| Loans held for sale | $3.2M |
| Loans to total assets | 76.23% |
| Loan-to-deposit ratio | 85.76% |
| Net loans to equity capital | 10.29% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.23% |
| Multifamily (5+ residential) | 3.91% |
| Commercial and industrial | 4.99% |
| Consumer | 5.08% |
| Credit cards | 0.16% |
| Farm | 5.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.06% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 187.49% |
| Construction concentration (Tier 1 capital + allowance) | 46.42% |
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 | 6.60% |
| Interest income on loans | $9.3M |
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 | $453.4M | $500.4M | 26.55% | 8.01% | 7.08% |
| Q4 2023 | $464.3M | $525.0M | 26.89% | 7.03% | 7.08% |
| Q1 2024 | $469.7M | $543.1M | 27.14% | 6.69% | 6.89% |
| Q2 2024 | $491.0M | $575.7M | 28.26% | 7.01% | 6.75% |
| Q3 2024 | $499.9M | $599.7M | 28.26% | 6.76% | 6.47% |
| Q4 2024 | $496.9M | $599.2M | 28.90% | 6.66% | 6.29% |
| Q1 2025 | $506.9M | $632.1M | 28.47% | 5.89% | 5.94% |
| Q2 2025 | $520.3M | $637.5M | 28.85% | 5.96% | 5.91% |
| Q3 2025 | $529.8M | $646.5M | 30.11% | 5.09% | 5.92% |
| Q4 2025 | $540.0M | $643.3M | 29.80% | 5.23% | 5.56% |
| Q1 2026 | $554.6M | $651.0M | 31.25% | 4.83% | 5.36% |
| Q2 2026 | $570.1M | $664.7M | 30.23% | 4.99% | 5.08% |
The Genoa Banking Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Genoa Banking Company, 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 Genoa Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2285) · FFIEC NIC profile (RSSD 504311)