The Hocking Valley 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 Loan-to-deposit ratio: 3.72 percentage points higher than in Q1 2026, at 66.46%. Within Ohio, The Hocking Valley Bank is 126th of 156 on loan-to-deposit ratio, 66.46% as of Q2 2026, below the middle of the field. The Hocking Valley Bank reported 66.46% on loan-to-deposit ratio for Q2 2026, 14.38 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $207.4M |
| Net loans and leases | $204.8M |
| Loans held for sale | $0 |
| Loans to total assets | 58.57% |
| Loan-to-deposit ratio | 66.46% |
| Net loans to equity capital | 5.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.46% |
| Multifamily (5+ residential) | 4.25% |
| Commercial and industrial | 13.59% |
| Consumer | 1.47% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.40% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 118.48% |
| Construction concentration (Tier 1 capital + allowance) | 23.81% |
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 | 6.15% |
| Interest income on loans | $3.2M |
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 | $192.4M | $300.8M | 20.07% | 12.58% | 1.85% |
| Q4 2023 | $195.5M | $294.9M | 19.42% | 13.43% | 1.76% |
| Q1 2024 | $201.2M | $298.4M | 19.17% | 14.38% | 1.64% |
| Q2 2024 | $202.3M | $298.8M | 18.51% | 15.29% | 1.80% |
| Q3 2024 | $204.8M | $295.2M | 17.78% | 15.08% | 1.80% |
| Q4 2024 | $202.3M | $292.4M | 17.50% | 14.95% | 1.76% |
| Q1 2025 | $205.9M | $309.3M | 17.36% | 14.65% | 1.81% |
| Q2 2025 | $202.3M | $307.4M | 21.23% | 15.05% | 1.95% |
| Q3 2025 | $202.7M | $305.4M | 23.03% | 14.36% | 1.91% |
| Q4 2025 | $205.5M | $315.9M | 24.13% | 13.93% | 1.70% |
| Q1 2026 | $204.5M | $325.9M | 23.73% | 14.26% | 1.78% |
| Q2 2026 | $207.4M | $312.0M | 24.46% | 13.59% | 1.47% |
The Hocking Valley Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Hocking Valley 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 Hocking Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18858) · FFIEC NIC profile (RSSD 230610)