Greenville National 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 12.02 percentage points in Q2 2026, from 69.02% to 81.04%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Greenville National Bank is 71st of 156 on loan-to-deposit ratio, 83.99% as of Q2 2026, above the middle of the field. Greenville National Bank reported 83.99% on loan-to-deposit ratio for Q2 2026, 3.04 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $454.8M |
| Net loans and leases | $448.6M |
| Loans held for sale | $71K |
| Loans to total assets | 70.89% |
| Loan-to-deposit ratio | 83.99% |
| Net loans to equity capital | 5.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.25% |
| Multifamily (5+ residential) | 3.41% |
| Commercial and industrial | 8.65% |
| Consumer | 7.08% |
| Credit cards | 0.00% |
| Farm | 13.56% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.27% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 81.04% |
| Construction concentration (Tier 1 capital + allowance) | 27.68% |
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 | 6.06% |
| Interest income on loans | $6.8M |
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 | $366.4M | $488.3M | 18.95% | 8.20% | 11.04% |
| Q4 2023 | $380.8M | $494.8M | 20.11% | 8.10% | 10.60% |
| Q1 2024 | $382.9M | $503.5M | 19.85% | 8.36% | 10.76% |
| Q2 2024 | $396.2M | $508.2M | 19.09% | 9.05% | 10.59% |
| Q3 2024 | $405.9M | $529.5M | 20.09% | 8.82% | 10.19% |
| Q4 2024 | $419.6M | $524.3M | 20.88% | 8.81% | 9.61% |
| Q1 2025 | $424.4M | $529.6M | 20.83% | 8.75% | 9.33% |
| Q2 2025 | $434.5M | $517.1M | 19.91% | 8.76% | 8.92% |
| Q3 2025 | $440.0M | $517.7M | 20.50% | 9.31% | 8.59% |
| Q4 2025 | $439.9M | $529.8M | 21.49% | 8.39% | 8.19% |
| Q1 2026 | $440.1M | $539.6M | 21.46% | 8.41% | 7.68% |
| Q2 2026 | $454.8M | $541.5M | 20.25% | 8.65% | 7.08% |
Greenville National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Greenville National 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 Greenville National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13703) · FFIEC NIC profile (RSSD 295011)