Mercer 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.
Cre concentration (tier 1 capital + allowance) climbed 9.65 percentage points in Q2 2026, from 33.42% to 43.06%. It was the largest change from Q1 2026 among the key lines here. Among 156 Ohio banks, Mercer Savings Bank sits 13th from the top on loan-to-deposit ratio, 103.70% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Mercer Savings Bank sits 22.76 points higher, at 103.70% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $151.9M |
| Net loans and leases | $151.0M |
| Loans held for sale | $5.4M |
| Loans to total assets | 86.18% |
| Loan-to-deposit ratio | 103.70% |
| Net loans to equity capital | 6.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.73% |
| Multifamily (5+ residential) | 0.66% |
| Commercial and industrial | 0.70% |
| Consumer | 6.22% |
| Credit cards | 0.00% |
| Farm | 22.45% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 43.06% |
| Construction concentration (Tier 1 capital + allowance) | 29.58% |
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 | 5.99% |
| Interest income on loans | $2.3M |
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 | $134.5M | $126.5M | 1.50% | 1.34% | 7.97% |
| Q4 2023 | $140.2M | $134.5M | 1.58% | 1.27% | 9.21% |
| Q1 2024 | $142.5M | $135.3M | 1.52% | 1.29% | 9.55% |
| Q2 2024 | $150.9M | $135.3M | 1.40% | 1.16% | 10.53% |
| Q3 2024 | $156.6M | $137.6M | 1.56% | 1.06% | 10.23% |
| Q4 2024 | $156.9M | $136.8M | 1.46% | 1.07% | 9.58% |
| Q1 2025 | $154.9M | $141.6M | 1.45% | 1.10% | 9.31% |
| Q2 2025 | $153.3M | $142.4M | 1.43% | 1.13% | 9.06% |
| Q3 2025 | $151.7M | $146.3M | 1.53% | 0.81% | 8.64% |
| Q4 2025 | $150.6M | $149.4M | 1.53% | 0.72% | 7.89% |
| Q1 2026 | $149.3M | $148.7M | 1.52% | 0.73% | 7.04% |
| Q2 2026 | $151.9M | $146.4M | 1.73% | 0.70% | 6.22% |
Mercer Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Mercer 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 Mercer Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30084) · FFIEC NIC profile (RSSD 661072)