The Harrison Building and Loan Association: 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 Construction concentration (Tier 1 capital + allowance): 9.82 percentage points lower than in Q1 2026, at 24.83%. The Harrison Building and Loan Association ranks 84th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 80.97% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; The Harrison Building and Loan Association reported 80.97% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $163.1M |
| Net loans and leases | $161.5M |
| Loans held for sale | $0 |
| Loans to total assets | 60.84% |
| Loan-to-deposit ratio | 80.97% |
| Net loans to equity capital | 3.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.94% |
| Multifamily (5+ residential) | 1.95% |
| Commercial and industrial | 8.31% |
| Consumer | 5.73% |
| Credit cards | 0.00% |
| Farm | 1.76% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 104.18% |
| Construction concentration (Tier 1 capital + allowance) | 24.83% |
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 | 6.71% |
| Interest income on loans | $2.7M |
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 | $117.2M | $202.2M | 8.99% | 14.11% | 6.50% |
| Q4 2023 | $120.6M | $203.2M | 8.60% | 13.33% | 9.54% |
| Q1 2024 | $118.7M | $204.7M | 8.59% | 13.21% | 9.75% |
| Q2 2024 | $116.3M | $201.8M | 8.48% | 13.77% | 9.32% |
| Q3 2024 | $123.9M | $205.6M | 13.35% | 12.77% | 10.03% |
| Q4 2024 | $125.8M | $202.4M | 16.25% | 9.07% | 9.35% |
| Q1 2025 | $132.5M | $209.4M | 20.97% | 7.80% | 8.38% |
| Q2 2025 | $135.8M | $215.6M | 23.35% | 6.55% | 7.66% |
| Q3 2025 | $140.1M | $213.8M | 20.08% | 4.70% | 8.20% |
| Q4 2025 | $151.7M | $207.4M | 24.56% | 4.54% | 7.04% |
| Q1 2026 | $152.6M | $204.9M | 25.55% | 8.01% | 6.45% |
| Q2 2026 | $163.1M | $201.4M | 31.94% | 8.31% | 5.73% |
The Harrison Building and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Harrison Building and Loan Association, 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 Harrison Building and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28080) · FFIEC NIC profile (RSSD 653778)