The Ottoville Bank 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.
Loan-to-deposit ratio dropped 3.03 percentage points in Q2 2026, from 55.76% to 52.73%. It was the largest change from Q1 2026 among the key lines here. The Ottoville Bank Company has the 11th lowest loan-to-deposit ratio of the 156 banks headquartered in Ohio, at 52.73% as of Q2 2026. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The Ottoville Bank Company sits 14.90 points lower, at 52.73% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $38.5M |
| Net loans and leases | $37.2M |
| Loans held for sale | $0 |
| Loans to total assets | 41.02% |
| Loan-to-deposit ratio | 52.73% |
| Net loans to equity capital | 1.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.40% |
| Multifamily (5+ residential) | 12.58% |
| Commercial and industrial | 8.28% |
| Consumer | 0.64% |
| Credit cards | 0.00% |
| Farm | 21.21% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.49% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 60.76% |
| Construction concentration (Tier 1 capital + allowance) | 6.50% |
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 | 5.50% |
| Interest income on loans | $560K |
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 | $42.5M | $67.0M | 22.96% | 10.55% | 0.73% |
| Q4 2023 | $44.9M | $65.4M | 22.43% | 9.29% | 0.85% |
| Q1 2024 | $45.3M | $70.7M | 24.09% | 9.21% | 0.76% |
| Q2 2024 | $44.0M | $73.1M | 24.59% | 6.97% | 0.83% |
| Q3 2024 | $47.1M | $75.5M | 25.22% | 10.81% | 0.73% |
| Q4 2024 | $43.4M | $75.7M | 27.44% | 10.46% | 0.75% |
| Q1 2025 | $43.3M | $72.2M | 28.24% | 10.25% | 0.72% |
| Q2 2025 | $42.9M | $72.8M | 28.99% | 11.38% | 0.74% |
| Q3 2025 | $40.1M | $74.0M | 24.08% | 9.53% | 0.82% |
| Q4 2025 | $41.6M | $71.4M | 22.90% | 9.27% | 0.71% |
| Q1 2026 | $39.9M | $71.5M | 23.54% | 8.41% | 0.68% |
| Q2 2026 | $38.5M | $72.9M | 23.40% | 8.28% | 0.64% |
The Ottoville Bank Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Ottoville Bank 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 Ottoville Bank Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8403) · FFIEC NIC profile (RSSD 443625)