Hometown 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.
Loan-to-deposit ratio dropped 7.53 percentage points in Q2 2026, from 96.54% to 89.01%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Hometown Bank is 52nd of 156 on loan-to-deposit ratio, 89.01% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Hometown Bank sits 8.17 points higher, at 89.01% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $193.0M |
| Net loans and leases | $191.6M |
| Loans held for sale | $168K |
| Loans to total assets | 75.73% |
| Loan-to-deposit ratio | 89.01% |
| Net loans to equity capital | 9.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 51.66% |
| Multifamily (5+ residential) | 1.17% |
| Commercial and industrial | 11.85% |
| Consumer | 0.89% |
| Credit cards | 0.33% |
| Farm | 0.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 152.06% |
| Construction concentration (Tier 1 capital + allowance) | 8.72% |
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 | 5.90% |
| Interest income on loans | $2.8M |
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 | $199.5M | $226.2M | 50.11% | 12.85% | 1.31% |
| Q4 2023 | $197.3M | $214.6M | 50.04% | 12.30% | 1.39% |
| Q1 2024 | $196.6M | $210.2M | 49.65% | 13.33% | 1.49% |
| Q2 2024 | $194.6M | $216.5M | 49.78% | 12.88% | 1.35% |
| Q3 2024 | $194.8M | $211.8M | 49.92% | 12.17% | 1.39% |
| Q4 2024 | $200.5M | $218.5M | 50.17% | 13.25% | 1.37% |
| Q1 2025 | $195.8M | $216.6M | 50.78% | 12.77% | 1.22% |
| Q2 2025 | $191.7M | $215.6M | 50.93% | 12.49% | 1.13% |
| Q3 2025 | $190.2M | $209.7M | 50.08% | 12.13% | 1.09% |
| Q4 2025 | $192.0M | $198.7M | 50.10% | 11.99% | 0.98% |
| Q1 2026 | $191.8M | $198.7M | 52.03% | 11.18% | 0.93% |
| Q2 2026 | $193.0M | $216.8M | 51.66% | 11.85% | 0.89% |
Hometown Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown 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 Hometown Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30219) · FFIEC NIC profile (RSSD 940674)