The Killbuck Savings Bank Company: 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.
Cre concentration (tier 1 capital + allowance) dropped 2.88 percentage points in Q2 2026, from 107.40% to 104.53%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Killbuck Savings Bank Company is 94th of 156 on loan-to-deposit ratio, 78.46% as of Q2 2026, below the middle of the field. The Killbuck Savings Bank Company reported 78.46% on loan-to-deposit ratio for Q2 2026, 2.49 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $626.4M |
| Net loans and leases | $621.1M |
| Loans held for sale | $378K |
| Loans to total assets | 65.67% |
| Loan-to-deposit ratio | 78.46% |
| Net loans to equity capital | 7.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.53% |
| Multifamily (5+ residential) | 1.46% |
| Commercial and industrial | 12.20% |
| Consumer | 0.38% |
| Credit cards | 0.00% |
| Farm | 12.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 104.53% |
| Construction concentration (Tier 1 capital + allowance) | 50.94% |
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 | 6.29% |
| Interest income on loans | $9.7M |
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 | $484.9M | $702.6M | 23.96% | 13.27% | 1.14% |
| Q4 2023 | $488.9M | $708.6M | 24.10% | 12.21% | 1.17% |
| Q1 2024 | $504.1M | $691.3M | 24.05% | 13.75% | 1.06% |
| Q2 2024 | $510.8M | $705.8M | 23.90% | 14.25% | 1.00% |
| Q3 2024 | $508.8M | $727.8M | 23.89% | 12.69% | 0.99% |
| Q4 2024 | $513.2M | $748.0M | 23.94% | 11.89% | 0.71% |
| Q1 2025 | $541.5M | $737.9M | 23.83% | 13.71% | 0.64% |
| Q2 2025 | $544.0M | $746.6M | 23.49% | 13.50% | 0.59% |
| Q3 2025 | $548.5M | $753.7M | 23.93% | 11.93% | 0.56% |
| Q4 2025 | $575.9M | $774.9M | 22.94% | 11.56% | 0.53% |
| Q1 2026 | $605.4M | $788.7M | 22.28% | 11.73% | 0.46% |
| Q2 2026 | $626.4M | $798.4M | 21.53% | 12.20% | 0.38% |
The Killbuck Savings Bank Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Killbuck Savings Bank Company, 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 The Killbuck Savings Bank Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11860) · FFIEC NIC profile (RSSD 1017425)