Osgood 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 Loans to total assets: 6.44 percentage points higher than in Q1 2026, at 62.47%. Within Ohio, Osgood Bank is 118th of 156 on loan-to-deposit ratio, 69.39% as of Q2 2026, below the middle of the field. Osgood Bank reported 69.39% on loan-to-deposit ratio for Q2 2026, 11.45 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $303.5M |
| Net loans and leases | $297.9M |
| Loans held for sale | $840K |
| Loans to total assets | 62.47% |
| Loan-to-deposit ratio | 69.39% |
| Net loans to equity capital | 6.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.12% |
| Multifamily (5+ residential) | 0.44% |
| Commercial and industrial | 53.03% |
| Consumer | 0.44% |
| Credit cards | 0.00% |
| Farm | 3.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.38% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 49.34% |
| Construction concentration (Tier 1 capital + allowance) | 17.75% |
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 | $5.1M |
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 | $294.8M | $337.3M | 23.77% | 51.30% | 0.90% |
| Q4 2023 | $302.0M | $337.9M | 22.99% | 51.75% | 0.86% |
| Q1 2024 | $302.7M | $341.4M | 22.89% | 51.79% | 0.82% |
| Q2 2024 | $305.5M | $406.7M | 24.58% | 52.32% | 0.75% |
| Q3 2024 | $305.8M | $428.3M | 25.14% | 52.30% | 0.72% |
| Q4 2024 | $305.4M | $431.4M | 24.98% | 52.58% | 0.67% |
| Q1 2025 | $303.7M | $428.9M | 25.37% | 52.60% | 0.64% |
| Q2 2025 | $304.5M | $425.0M | 25.73% | 53.50% | 0.58% |
| Q3 2025 | $306.4M | $439.5M | 25.80% | 53.36% | 0.53% |
| Q4 2025 | $298.2M | $448.3M | 24.88% | 52.96% | 0.49% |
| Q1 2026 | $288.0M | $452.5M | 23.75% | 54.59% | 0.47% |
| Q2 2026 | $303.5M | $437.3M | 23.12% | 53.03% | 0.44% |
Osgood Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Osgood 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 Osgood Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9137) · FFIEC NIC profile (RSSD 313223)