Hancock County Savings Bank, F.S.B.: 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.
Loan-to-deposit ratio dropped 2.05 percentage points in Q2 2026, from 110.20% to 108.15%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Hancock County Savings Bank, F.S.B. ranks 2nd highest among the 41 banks headquartered in West Virginia, at 108.15% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Hancock County Savings Bank, F.S.B. sits 27.31 points higher, at 108.15% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $433.9M |
| Net loans and leases | $429.1M |
| Loans held for sale | $0 |
| Loans to total assets | 85.41% |
| Loan-to-deposit ratio | 108.15% |
| Net loans to equity capital | 4.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.46% |
| Multifamily (5+ residential) | 0.19% |
| Commercial and industrial | 0.19% |
| Consumer | 3.14% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 13.19% |
| Construction concentration (Tier 1 capital + allowance) | 8.31% |
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 | — |
| Interest income on loans | $5.2M |
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 | $405.0M | $355.6M | 1.56% | 0.23% | 4.08% |
| Q4 2023 | $409.5M | $355.1M | 1.53% | 0.20% | 4.14% |
| Q1 2024 | $412.4M | $361.9M | 1.62% | 0.18% | 4.10% |
| Q2 2024 | $416.7M | $371.8M | 1.59% | 0.27% | 4.09% |
| Q3 2024 | $421.3M | $372.7M | 1.55% | 0.26% | 4.07% |
| Q4 2024 | $423.6M | $378.7M | 1.62% | 0.25% | 3.87% |
| Q1 2025 | $425.1M | $389.2M | 1.76% | 0.26% | 3.69% |
| Q2 2025 | $426.5M | $384.9M | 1.60% | 0.25% | 3.67% |
| Q3 2025 | $430.0M | $378.1M | 1.61% | 0.23% | 3.51% |
| Q4 2025 | $431.8M | $377.9M | 1.63% | 0.22% | 3.36% |
| Q1 2026 | $430.9M | $391.1M | 1.47% | 0.19% | 3.22% |
| Q2 2026 | $433.9M | $401.2M | 1.46% | 0.19% | 3.14% |
Hancock County Savings Bank, F.S.B. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hancock County Savings Bank, F.S.B., 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 Hancock County Savings Bank, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29035) · FFIEC NIC profile (RSSD 888271)