MT. Victory State 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.32 percentage points higher than in Q1 2026, at 68.24%. MT. Victory State Bank ranks 121st of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 68.24% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio; MT. Victory State Bank reported 68.24% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $14.3M |
| Net loans and leases | $13.9M |
| Loans held for sale | $0 |
| Loans to total assets | 61.21% |
| Loan-to-deposit ratio | 68.24% |
| Net loans to equity capital | 5.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.95% |
| Multifamily (5+ residential) | 5.38% |
| Commercial and industrial | 19.27% |
| Consumer | 5.98% |
| Credit cards | 0.00% |
| Farm | 15.62% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.17% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 61.28% |
| Construction concentration (Tier 1 capital + allowance) | 0.31% |
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 | 7.83% |
| Interest income on loans | $280K |
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 | $11.5M | $19.3M | 13.43% | 14.37% | 12.08% |
| Q4 2023 | $12.3M | $20.3M | 12.42% | 13.98% | 11.69% |
| Q1 2024 | $12.8M | $19.4M | 11.83% | 14.64% | 12.05% |
| Q2 2024 | $12.6M | $19.6M | 8.83% | 15.69% | 11.53% |
| Q3 2024 | $12.8M | $19.5M | 8.70% | 16.55% | 10.41% |
| Q4 2024 | $12.5M | $19.4M | 8.85% | 16.91% | 10.14% |
| Q1 2025 | $12.9M | $19.3M | 7.98% | 17.32% | 8.49% |
| Q2 2025 | $13.1M | $19.2M | 7.79% | 17.53% | 8.05% |
| Q3 2025 | $13.5M | $19.2M | 7.33% | 18.26% | 6.78% |
| Q4 2025 | $13.9M | $19.6M | 7.07% | 17.64% | 5.75% |
| Q1 2026 | $14.2M | $21.2M | 6.88% | 18.57% | 5.44% |
| Q2 2026 | $14.3M | $21.0M | 6.95% | 19.27% | 5.98% |
MT. Victory State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock MT. Victory State 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 MT. Victory State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9438) · FFIEC NIC profile (RSSD 274025)