Home 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 Construction concentration (Tier 1 capital + allowance): 34.52 percentage points higher than in Q1 2026, at 98.19%. On loan-to-deposit ratio, Home Savings Bank ranks 2nd highest among the 44 banks headquartered in Utah, at 122.42% (Q2 2026). Home Savings Bank's loan-to-deposit ratio of 122.42% is well above the 80.84% median for banks in the $100M-1B asset tier, a gap of 41.59 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $93.5M |
| Net loans and leases | $92.5M |
| Loans held for sale | $0 |
| Loans to total assets | 85.97% |
| Loan-to-deposit ratio | 122.42% |
| Net loans to equity capital | 5.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 44.36% |
| Multifamily (5+ residential) | 4.81% |
| Commercial and industrial | 0.00% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 216.32% |
| Construction concentration (Tier 1 capital + allowance) | 98.19% |
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 | — |
| Interest income on loans | $1.8M |
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 | $102.1M | $80.6M | 46.70% | 0.00% | 0.00% |
| Q4 2023 | $103.0M | $78.4M | 46.70% | 0.00% | 0.00% |
| Q1 2024 | $104.2M | $76.7M | 47.98% | 0.00% | 0.00% |
| Q2 2024 | $111.8M | $86.9M | 41.84% | 0.00% | 0.00% |
| Q3 2024 | $108.1M | $91.2M | 42.39% | 0.00% | 0.00% |
| Q4 2024 | $96.8M | $89.3M | 48.39% | 0.00% | 0.00% |
| Q1 2025 | $98.9M | $88.0M | 47.00% | 0.00% | 0.00% |
| Q2 2025 | $97.0M | $86.1M | 46.05% | 0.00% | 0.00% |
| Q3 2025 | $99.9M | $87.8M | 44.51% | 0.00% | 0.00% |
| Q4 2025 | $96.7M | $89.8M | 45.48% | 0.00% | 0.00% |
| Q1 2026 | $89.6M | $89.0M | 46.50% | 0.00% | 0.00% |
| Q2 2026 | $93.5M | $76.4M | 44.36% | 0.00% | 0.00% |
Home Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Home 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 Home Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26798) · FFIEC NIC profile (RSSD 460770)