Liberty Savings Bank, F.S.B.: 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) climbed 4.33 percentage points in Q2 2026, from 0.13% to 4.46%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Liberty Savings Bank, F.S.B. is 81st of 156 on loan-to-deposit ratio, 81.18% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Liberty Savings Bank, F.S.B. sits 7.02 points lower, at 81.18% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $780.4M |
| Net loans and leases | $772.6M |
| Loans held for sale | $0 |
| Loans to total assets | 70.20% |
| Loan-to-deposit ratio | 81.18% |
| Net loans to equity capital | 9.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.02% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.79% |
| Consumer | 9.48% |
| Credit cards | 0.00% |
| Farm | 0.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 4.46% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 5.38% |
| Interest income on loans | $10.6M |
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 | $887.6M | $888.2M | 0.11% | 0.06% | 1.67% |
| Q4 2023 | $867.4M | $882.4M | 0.06% | 0.06% | 2.17% |
| Q1 2024 | $873.1M | $880.8M | 0.06% | 0.06% | 3.15% |
| Q2 2024 | $860.5M | $840.7M | 0.06% | 0.06% | 3.79% |
| Q3 2024 | $876.5M | $897.2M | 0.05% | 0.06% | 5.58% |
| Q4 2024 | $857.3M | $1.00B | 0.05% | 0.06% | 6.15% |
| Q1 2025 | $834.8M | $1.04B | 0.04% | 0.06% | 6.66% |
| Q2 2025 | $808.9M | $988.0M | 0.04% | 0.06% | 6.68% |
| Q3 2025 | $819.7M | $1.00B | 0.04% | 0.06% | 10.61% |
| Q4 2025 | $792.5M | $983.9M | 0.03% | 0.06% | 10.16% |
| Q1 2026 | $803.0M | $991.2M | 0.03% | 0.29% | 9.51% |
| Q2 2026 | $780.4M | $961.3M | 0.02% | 0.79% | 9.48% |
Liberty Savings Bank, F.S.B. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Liberty Savings Bank, F.S.B., 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 Liberty Savings Bank, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32242) · FFIEC NIC profile (RSSD 839572)