New Carlisle 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 16.04 percentage points lower than in Q1 2026, at 222.99%. On loan-to-deposit ratio, New Carlisle Federal Savings Bank ranks 11th highest among the 156 banks headquartered in Ohio, at 108.16% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. New Carlisle Federal Savings Bank sits 27.32 points higher, at 108.16% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $280.9M |
| Net loans and leases | $278.8M |
| Loans held for sale | $0 |
| Loans to total assets | 84.99% |
| Loan-to-deposit ratio | 108.16% |
| Net loans to equity capital | 10.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.80% |
| Multifamily (5+ residential) | 3.41% |
| Commercial and industrial | 12.29% |
| Consumer | 0.60% |
| Credit cards | 0.09% |
| Farm | 2.77% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.23% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 222.99% |
| Construction concentration (Tier 1 capital + allowance) | 103.82% |
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 | 7.45% |
| Interest income on loans | $5.2M |
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 | $207.7M | $160.8M | 28.74% | 13.93% | 1.06% |
| Q4 2023 | $211.4M | $173.6M | 27.66% | 14.29% | 1.02% |
| Q1 2024 | $216.1M | $181.4M | 27.21% | 14.21% | 0.95% |
| Q2 2024 | $217.6M | $184.7M | 27.60% | 14.03% | 0.90% |
| Q3 2024 | $230.9M | $177.8M | 28.03% | 14.38% | 0.85% |
| Q4 2024 | $241.2M | $188.2M | 27.37% | 14.23% | 0.81% |
| Q1 2025 | $245.2M | $211.0M | 26.65% | 14.07% | 0.82% |
| Q2 2025 | $250.5M | $218.1M | 26.41% | 13.47% | 0.80% |
| Q3 2025 | $267.6M | $248.6M | 27.18% | 13.35% | 0.71% |
| Q4 2025 | $275.1M | $248.2M | 28.11% | 12.52% | 0.68% |
| Q1 2026 | $284.2M | $265.5M | 28.14% | 12.53% | 0.61% |
| Q2 2026 | $280.9M | $259.7M | 27.80% | 12.29% | 0.60% |
New Carlisle Federal Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock New Carlisle 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 New Carlisle Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29173) · FFIEC NIC profile (RSSD 646873)