The Old Fort Banking Company: 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): 7.15 percentage points lower than in Q1 2026, at 150.39%. The Old Fort Banking Company ranks 135th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 62.01% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Old Fort Banking Company sits 18.83 points lower, at 62.01% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $484.8M |
| Net loans and leases | $479.6M |
| Loans held for sale | $1.1M |
| Loans to total assets | 57.45% |
| Loan-to-deposit ratio | 62.01% |
| Net loans to equity capital | 8.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.07% |
| Multifamily (5+ residential) | 5.19% |
| Commercial and industrial | 19.20% |
| Consumer | 0.28% |
| Credit cards | 0.00% |
| Farm | 0.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 150.39% |
| Construction concentration (Tier 1 capital + allowance) | 25.04% |
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 | $6.6M |
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 | $427.5M | $815.8M | 35.23% | 19.31% | 0.48% |
| Q4 2023 | $439.7M | $773.5M | 34.01% | 20.46% | 0.46% |
| Q1 2024 | $436.9M | $785.7M | 33.60% | 20.34% | 0.35% |
| Q2 2024 | $447.1M | $779.8M | 32.64% | 20.82% | 0.34% |
| Q3 2024 | $446.2M | $781.5M | 32.05% | 19.89% | 0.38% |
| Q4 2024 | $446.7M | $778.6M | 33.01% | 19.51% | 0.33% |
| Q1 2025 | $440.8M | $781.8M | 32.76% | 19.21% | 0.29% |
| Q2 2025 | $453.7M | $802.3M | 31.86% | 19.31% | 0.32% |
| Q3 2025 | $470.8M | $808.8M | 30.95% | 19.22% | 0.33% |
| Q4 2025 | $483.2M | $781.6M | 31.46% | 19.20% | 0.31% |
| Q1 2026 | $482.1M | $792.5M | 30.80% | 18.94% | 0.31% |
| Q2 2026 | $484.8M | $781.8M | 30.07% | 19.20% | 0.28% |
The Old Fort Banking Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Old Fort Banking Company, 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 The Old Fort Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10255) · FFIEC NIC profile (RSSD 564324)