Settlers 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 CRE concentration (Tier 1 capital + allowance): 3.34 percentage points lower than in Q1 2026, at 10.29%. Within Ohio, Settlers Bank is 93rd of 156 on loan-to-deposit ratio, 78.46% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Settlers Bank reported 78.46% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $93.4M |
| Net loans and leases | $91.8M |
| Loans held for sale | $0 |
| Loans to total assets | 65.58% |
| Loan-to-deposit ratio | 78.46% |
| Net loans to equity capital | 4.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.08% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 3.68% |
| Consumer | 5.70% |
| Credit cards | 0.00% |
| Farm | 0.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 10.29% |
| Construction concentration (Tier 1 capital + allowance) | 5.31% |
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 | 6.33% |
| Interest income on loans | $1.5M |
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 | $73.9M | $108.8M | 10.90% | 6.41% | 7.34% |
| Q4 2023 | $76.1M | $109.6M | 10.55% | 6.04% | 7.39% |
| Q1 2024 | $75.9M | $106.5M | 10.13% | 3.64% | 7.85% |
| Q2 2024 | $76.7M | $105.7M | 9.23% | 3.93% | 8.32% |
| Q3 2024 | $78.8M | $109.4M | 9.17% | 3.92% | 8.28% |
| Q4 2024 | $79.8M | $110.8M | 9.24% | 4.28% | 8.17% |
| Q1 2025 | $80.0M | $111.8M | 9.33% | 4.36% | 7.80% |
| Q2 2025 | $85.0M | $110.5M | 8.59% | 4.38% | 7.14% |
| Q3 2025 | $85.9M | $112.5M | 8.39% | 4.37% | 6.92% |
| Q4 2025 | $89.4M | $113.7M | 9.77% | 3.87% | 6.17% |
| Q1 2026 | $91.4M | $116.9M | 9.54% | 3.86% | 5.94% |
| Q2 2026 | $93.4M | $119.1M | 11.08% | 3.68% | 5.70% |
Settlers Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Settlers 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 Settlers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35060) · FFIEC NIC profile (RSSD 2747279)