The Hamler State 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 6.44 percentage points higher than in Q1 2026, at 203.12%. Within Ohio, The Hamler State Bank is 83rd of 156 on loan-to-deposit ratio, 81.04% as of Q2 2026, below the middle of the field. At 81.04%, The Hamler State Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $87.0M |
| Net loans and leases | $86.0M |
| Loans held for sale | $0 |
| Loans to total assets | 69.44% |
| Loan-to-deposit ratio | 81.04% |
| Net loans to equity capital | 5.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 41.14% |
| Multifamily (5+ residential) | 2.87% |
| Commercial and industrial | 5.71% |
| Consumer | 1.84% |
| Credit cards | 0.00% |
| Farm | 20.26% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 203.12% |
| Construction concentration (Tier 1 capital + allowance) | 2.11% |
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 | 5.74% |
| Interest income on loans | $1.2M |
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 | $74.5M | $89.0M | 35.79% | 8.06% | 1.56% |
| Q4 2023 | $74.5M | $89.3M | 35.27% | 7.88% | 1.68% |
| Q1 2024 | $74.3M | $93.2M | 35.57% | 8.18% | 1.81% |
| Q2 2024 | $77.1M | $93.8M | 36.12% | 7.75% | 2.00% |
| Q3 2024 | $79.0M | $95.8M | 36.29% | 8.05% | 2.00% |
| Q4 2024 | $80.3M | $97.0M | 37.77% | 7.63% | 2.01% |
| Q1 2025 | $78.3M | $100.1M | 37.58% | 8.01% | 1.97% |
| Q2 2025 | $82.2M | $101.4M | 37.63% | 8.17% | 2.07% |
| Q3 2025 | $81.4M | $102.6M | 38.97% | 6.20% | 2.11% |
| Q4 2025 | $83.8M | $103.4M | 38.99% | 6.34% | 1.89% |
| Q1 2026 | $83.7M | $108.2M | 40.60% | 5.50% | 1.91% |
| Q2 2026 | $87.0M | $107.4M | 41.14% | 5.71% | 1.84% |
The Hamler State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Hamler State 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 Hamler State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14920) · FFIEC NIC profile (RSSD 887827)