Home National 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.
Construction concentration (tier 1 capital + allowance) climbed 7.97 percentage points in Q2 2026, from 36.51% to 44.48%. It was the largest change from Q1 2026 among the key lines here. Home National Bank ranks 120th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 68.41% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio; Home National Bank reported 68.41% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $57.5M |
| Net loans and leases | $56.5M |
| Loans held for sale | $0 |
| Loans to total assets | 60.52% |
| Loan-to-deposit ratio | 68.41% |
| Net loans to equity capital | 6.53% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.09% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.99% |
| Consumer | 13.54% |
| Credit cards | 0.00% |
| Farm | 1.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.73% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 70.05% |
| Construction concentration (Tier 1 capital + allowance) | 44.48% |
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 | 8.63% |
| Interest income on loans | $1.2M |
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 | $52.2M | $76.2M | 11.51% | 9.27% | 17.85% |
| Q4 2023 | $52.6M | $72.3M | 11.49% | 8.25% | 18.13% |
| Q1 2024 | $52.6M | $70.9M | 9.37% | 9.38% | 17.89% |
| Q2 2024 | $53.3M | $72.8M | 9.66% | 8.49% | 17.71% |
| Q3 2024 | $53.4M | $78.9M | 9.40% | 7.89% | 16.77% |
| Q4 2024 | $55.6M | $78.6M | 9.97% | 7.85% | 14.96% |
| Q1 2025 | $55.9M | $80.1M | 13.06% | 8.29% | 14.31% |
| Q2 2025 | $56.7M | $79.3M | 15.20% | 8.38% | 13.93% |
| Q3 2025 | $55.2M | $78.4M | 11.96% | 8.13% | 13.62% |
| Q4 2025 | $56.3M | $78.7M | 13.53% | 8.23% | 13.03% |
| Q1 2026 | $58.4M | $79.6M | 15.68% | 8.32% | 12.73% |
| Q2 2026 | $57.5M | $84.0M | 12.09% | 7.99% | 13.54% |
Home National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Home National 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 Home National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6680) · FFIEC NIC profile (RSSD 79127)