Home Savings Bank of Wapakoneta: 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): 15.03 percentage points lower than in Q1 2026, at 62.25%. Within Ohio, Home Savings Bank of Wapakoneta is 23rd of 156 on loan-to-deposit ratio, 98.47% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Home Savings Bank of Wapakoneta sits 30.85 points higher, at 98.47% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $37.2M |
| Net loans and leases | $36.9M |
| Loans held for sale | $0 |
| Loans to total assets | 82.11% |
| Loan-to-deposit ratio | 98.47% |
| Net loans to equity capital | 7.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.55% |
| Multifamily (5+ residential) | 1.70% |
| Commercial and industrial | 0.00% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 2.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 62.25% |
| Construction concentration (Tier 1 capital + allowance) | 2.13% |
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 | $524K |
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 | $29.5M | $33.0M | 6.84% | 0.00% | 0.04% |
| Q4 2023 | $29.8M | $31.8M | 7.02% | 0.00% | 0.04% |
| Q1 2024 | $31.1M | $30.9M | 6.65% | 0.00% | 0.04% |
| Q2 2024 | $31.1M | $31.6M | 6.56% | 0.00% | 0.04% |
| Q3 2024 | $32.1M | $32.0M | 6.27% | 0.00% | 0.03% |
| Q4 2024 | $35.0M | $32.5M | 5.67% | 0.00% | 0.03% |
| Q1 2025 | $35.4M | $33.8M | 5.53% | 0.00% | 0.00% |
| Q2 2025 | $35.1M | $34.3M | 5.51% | 0.00% | 0.00% |
| Q3 2025 | $35.8M | $33.5M | 7.40% | 0.00% | 0.00% |
| Q4 2025 | $36.3M | $34.2M | 7.21% | 0.00% | 0.00% |
| Q1 2026 | $36.6M | $35.3M | 7.79% | 0.00% | 0.00% |
| Q2 2026 | $37.2M | $37.8M | 7.55% | 0.00% | 0.00% |
Home Savings Bank of Wapakoneta loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Savings Bank of Wapakoneta, 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 of Wapakoneta profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30176) · FFIEC NIC profile (RSSD 868572)