Huntington Federal 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.
Compared with Q1 2026, Construction concentration (Tier 1 capital + allowance) rose 0.61 percentage points in Q2 2026 to 6.88%, the biggest move on this page. Within West Virginia, Huntington Federal Savings Bank is 32nd of 41 on loan-to-deposit ratio, 68.95% as of Q2 2026, below the middle of the field. Huntington Federal Savings Bank reported 68.95% on loan-to-deposit ratio for Q2 2026, 11.99 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $291.3M |
| Net loans and leases | $288.9M |
| Loans held for sale | $0 |
| Loans to total assets | 54.72% |
| Loan-to-deposit ratio | 68.95% |
| Net loans to equity capital | 3.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.05% |
| Multifamily (5+ residential) | 8.90% |
| Commercial and industrial | 0.00% |
| Consumer | 0.43% |
| 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) | 52.71% |
| Construction concentration (Tier 1 capital + allowance) | 6.88% |
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 | 4.69% |
| Interest income on loans | $3.4M |
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 | $278.1M | $439.0M | 5.16% | 0.00% | 0.75% |
| Q4 2023 | $281.5M | $446.5M | 5.02% | 0.00% | 0.66% |
| Q1 2024 | $277.8M | $432.0M | 5.05% | 0.00% | 0.68% |
| Q2 2024 | $276.5M | $428.9M | 5.13% | 0.00% | 0.66% |
| Q3 2024 | $280.5M | $416.0M | 5.06% | 0.00% | 0.65% |
| Q4 2024 | $280.8M | $413.3M | 4.95% | 0.00% | 0.60% |
| Q1 2025 | $280.9M | $429.8M | 5.26% | 0.00% | 0.57% |
| Q2 2025 | $285.8M | $430.7M | 5.29% | 0.00% | 0.56% |
| Q3 2025 | $288.1M | $432.7M | 5.19% | 0.00% | 0.55% |
| Q4 2025 | $287.2M | $432.0M | 5.15% | 0.00% | 0.50% |
| Q1 2026 | $293.2M | $424.4M | 4.92% | 0.00% | 0.46% |
| Q2 2026 | $291.3M | $422.4M | 5.05% | 0.00% | 0.43% |
Huntington Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Huntington Federal 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 Huntington Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27884) · FFIEC NIC profile (RSSD 609476)