The Hicksville 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): 7.86 percentage points lower than in Q1 2026, at 89.10%. Within Ohio, The Hicksville Bank is 122nd of 156 on loan-to-deposit ratio, 68.18% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Hicksville Bank sits 12.65 points lower, at 68.18% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $135.2M |
| Net loans and leases | $133.8M |
| Loans held for sale | $0 |
| Loans to total assets | 61.29% |
| Loan-to-deposit ratio | 68.18% |
| Net loans to equity capital | 7.42% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.79% |
| Multifamily (5+ residential) | 0.25% |
| Commercial and industrial | 6.24% |
| Consumer | 0.58% |
| Credit cards | 0.00% |
| Farm | 28.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 89.10% |
| Construction concentration (Tier 1 capital + allowance) | 55.57% |
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 | 6.33% |
| Interest income on loans | $2.2M |
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 | $109.8M | $161.7M | 20.89% | 8.97% | 1.67% |
| Q4 2023 | $114.7M | $165.1M | 20.93% | 8.34% | 1.59% |
| Q1 2024 | $116.3M | $171.7M | 20.92% | 8.13% | 1.54% |
| Q2 2024 | $119.2M | $173.2M | 20.05% | 7.86% | 1.43% |
| Q3 2024 | $127.2M | $187.3M | 19.83% | 7.28% | 1.30% |
| Q4 2024 | $133.8M | $191.6M | 18.40% | 6.64% | 1.12% |
| Q1 2025 | $131.2M | $195.2M | 19.12% | 6.55% | 1.05% |
| Q2 2025 | $133.3M | $191.9M | 20.87% | 6.66% | 0.89% |
| Q3 2025 | $136.7M | $195.1M | 20.17% | 6.19% | 0.80% |
| Q4 2025 | $137.3M | $194.7M | 20.11% | 6.42% | 0.67% |
| Q1 2026 | $137.1M | $203.9M | 19.63% | 6.45% | 0.62% |
| Q2 2026 | $135.2M | $198.2M | 20.79% | 6.24% | 0.58% |
The Hicksville Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Hicksville 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 Hicksville Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16370) · FFIEC NIC profile (RSSD 892223)