Greenville Federal: 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 26.64 percentage points in Q2 2026, from 157.17% to 130.53%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Greenville Federal is 57th of 156 on loan-to-deposit ratio, 87.49% as of Q2 2026, above the middle of the field. Greenville Federal reported 87.49% on loan-to-deposit ratio for Q2 2026, 6.66 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $210.7M |
| Net loans and leases | $209.0M |
| Loans held for sale | $0 |
| Loans to total assets | 79.85% |
| Loan-to-deposit ratio | 87.49% |
| Net loans to equity capital | 10.11% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.45% |
| Multifamily (5+ residential) | 4.23% |
| Commercial and industrial | 14.09% |
| Consumer | 0.76% |
| Credit cards | 0.00% |
| Farm | 0.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 130.53% |
| Construction concentration (Tier 1 capital + allowance) | 32.41% |
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 | 5.62% |
| Interest income on loans | $2.9M |
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 | $185.7M | $222.6M | 14.17% | 11.35% | 0.92% |
| Q4 2023 | $187.0M | $216.5M | 12.94% | 12.63% | 1.39% |
| Q1 2024 | $191.2M | $224.7M | 12.55% | 12.74% | 1.40% |
| Q2 2024 | $193.5M | $222.6M | 12.11% | 12.15% | 1.37% |
| Q3 2024 | $201.5M | $226.9M | 12.28% | 12.28% | 1.26% |
| Q4 2024 | $209.4M | $231.7M | 12.90% | 13.37% | 1.01% |
| Q1 2025 | $209.4M | $232.3M | 13.04% | 13.52% | 0.97% |
| Q2 2025 | $215.1M | $233.4M | 13.65% | 13.67% | 0.88% |
| Q3 2025 | $219.0M | $234.2M | 13.71% | 13.60% | 0.80% |
| Q4 2025 | $222.7M | $242.8M | 13.49% | 14.30% | 0.71% |
| Q1 2026 | $216.6M | $239.5M | 13.83% | 13.88% | 0.68% |
| Q2 2026 | $210.7M | $240.8M | 12.45% | 14.09% | 0.76% |
Greenville Federal loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Greenville Federal, 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 Greenville Federal profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27965) · FFIEC NIC profile (RSSD 567679)