Ohio 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.
Cre concentration (tier 1 capital + allowance) dropped 8.38 percentage points in Q2 2026, from 434.39% to 426.02%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Ohio State Bank ranks 12th highest among the 156 banks headquartered in Ohio, at 106.01% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Ohio State Bank sits 25.17 points higher, at 106.01% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $429.7M |
| Net loans and leases | $425.2M |
| Loans held for sale | $0 |
| Loans to total assets | 88.79% |
| Loan-to-deposit ratio | 106.01% |
| Net loans to equity capital | 7.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.10% |
| Multifamily (5+ residential) | 17.09% |
| Commercial and industrial | 4.29% |
| Consumer | 0.02% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 426.02% |
| Construction concentration (Tier 1 capital + allowance) | 107.18% |
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 | — |
| Interest income on loans | $5.9M |
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 | $383.1M | $368.6M | 33.80% | 4.03% | 0.01% |
| Q4 2023 | $389.0M | $361.8M | 33.15% | 3.66% | 0.01% |
| Q1 2024 | $392.8M | $370.5M | 32.71% | 3.51% | 0.01% |
| Q2 2024 | $392.9M | $370.4M | 33.23% | 3.32% | 0.01% |
| Q3 2024 | $403.6M | $391.0M | 31.89% | 3.36% | 0.01% |
| Q4 2024 | $404.1M | $384.5M | 34.60% | 3.80% | 0.01% |
| Q1 2025 | $400.7M | $368.1M | 34.82% | 3.88% | 0.01% |
| Q2 2025 | $407.8M | $382.9M | 34.22% | 4.23% | 0.01% |
| Q3 2025 | $418.2M | $406.5M | 37.26% | 3.98% | 0.01% |
| Q4 2025 | $431.4M | $411.3M | 37.11% | 3.89% | 0.01% |
| Q1 2026 | $424.9M | $403.6M | 35.87% | 4.09% | 0.01% |
| Q2 2026 | $429.7M | $405.4M | 36.10% | 4.29% | 0.02% |
Ohio State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ohio 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 Ohio State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59144) · FFIEC NIC profile (RSSD 5312593)