The Home Loan Savings 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): 3.37 percentage points higher than in Q1 2026, at 179.17%. Among 156 Ohio banks, The Home Loan Savings Bank sits 8th from the top on loan-to-deposit ratio, 110.05% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Home Loan Savings Bank sits 29.21 points higher, at 110.05% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $352.9M |
| Net loans and leases | $348.5M |
| Loans held for sale | $721K |
| Loans to total assets | 91.25% |
| Loan-to-deposit ratio | 110.05% |
| Net loans to equity capital | 7.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 24.08% |
| Multifamily (5+ residential) | 1.22% |
| Commercial and industrial | 10.68% |
| Consumer | 1.15% |
| Credit cards | 0.00% |
| Farm | 3.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 179.17% |
| Construction concentration (Tier 1 capital + allowance) | 49.62% |
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 | 7.22% |
| Interest income on loans | $6.4M |
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 | $267.5M | $238.7M | 19.77% | 12.43% | 2.31% |
| Q4 2023 | $271.4M | $245.8M | 20.04% | 12.72% | 2.46% |
| Q1 2024 | $280.1M | $245.3M | 20.38% | 11.91% | 2.60% |
| Q2 2024 | $297.9M | $249.7M | 19.32% | 11.82% | 2.67% |
| Q3 2024 | $310.5M | $264.8M | 19.94% | 11.18% | 2.36% |
| Q4 2024 | $312.8M | $275.8M | 21.83% | 9.61% | 3.34% |
| Q1 2025 | $321.0M | $278.6M | 22.09% | 11.62% | 1.71% |
| Q2 2025 | $328.0M | $288.0M | 21.79% | 11.49% | 1.73% |
| Q3 2025 | $335.6M | $294.1M | 21.23% | 12.18% | 1.85% |
| Q4 2025 | $343.1M | $307.4M | 22.76% | 11.17% | 1.53% |
| Q1 2026 | $350.3M | $313.6M | 23.96% | 10.62% | 1.04% |
| Q2 2026 | $352.9M | $320.6M | 24.08% | 10.68% | 1.15% |
The Home Loan Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Home Loan Savings 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 Home Loan Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29695) · FFIEC NIC profile (RSSD 468673)