The 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.
Cre concentration (tier 1 capital + allowance) climbed 9.16 percentage points in Q2 2026, from 190.58% to 199.75%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Savings Bank is 60th of 156 on loan-to-deposit ratio, 86.77% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Savings Bank sits 5.93 points higher, at 86.77% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $390.7M |
| Net loans and leases | $387.2M |
| Loans held for sale | $961K |
| Loans to total assets | 75.12% |
| Loan-to-deposit ratio | 86.77% |
| Net loans to equity capital | 7.26% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.32% |
| Multifamily (5+ residential) | 12.14% |
| Commercial and industrial | 5.95% |
| Consumer | 2.96% |
| Credit cards | 0.00% |
| Farm | 1.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 199.75% |
| Construction concentration (Tier 1 capital + allowance) | 21.54% |
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 | $5.6M |
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 | $354.7M | $495.4M | 13.96% | 7.70% | 5.05% |
| Q4 2023 | $363.7M | $439.1M | 13.81% | 8.54% | 4.82% |
| Q1 2024 | $367.5M | $442.9M | 14.95% | 7.33% | 4.57% |
| Q2 2024 | $369.4M | $466.2M | 14.92% | 7.44% | 4.24% |
| Q3 2024 | $361.9M | $449.5M | 15.37% | 6.92% | 4.06% |
| Q4 2024 | $352.3M | $431.2M | 15.73% | 7.17% | 3.81% |
| Q1 2025 | $358.6M | $443.7M | 16.62% | 6.51% | 3.61% |
| Q2 2025 | $364.9M | $439.3M | 17.08% | 6.41% | 3.48% |
| Q3 2025 | $367.3M | $439.4M | 16.97% | 6.07% | 3.46% |
| Q4 2025 | $377.2M | $436.5M | 17.82% | 6.05% | 3.13% |
| Q1 2026 | $382.3M | $439.7M | 17.83% | 5.95% | 2.98% |
| Q2 2026 | $390.7M | $450.2M | 17.32% | 5.95% | 2.96% |
The Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13216) · FFIEC NIC profile (RSSD 578116)