Somerville 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) dropped 1.14 percentage points in Q2 2026, from 28.64% to 27.51%. It was the largest change from Q1 2026 among the key lines here. Somerville Bank ranks 98th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 76.77% (Q2 2026). Somerville Bank reported 76.77% on loan-to-deposit ratio for Q2 2026, 4.06 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $200.1M |
| Net loans and leases | $197.9M |
| Loans held for sale | $555K |
| Loans to total assets | 68.86% |
| Loan-to-deposit ratio | 76.77% |
| Net loans to equity capital | 8.61% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 40.00% |
| Multifamily (5+ residential) | 0.04% |
| Commercial and industrial | 16.28% |
| Consumer | 2.05% |
| Credit cards | 0.00% |
| Farm | 17.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 27.51% |
| Construction concentration (Tier 1 capital + allowance) | 16.38% |
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 | 6.15% |
| Interest income on loans | $3.1M |
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 | $186.7M | $223.3M | 39.46% | 14.37% | 1.98% |
| Q4 2023 | $189.5M | $225.6M | 38.22% | 13.50% | 2.05% |
| Q1 2024 | $187.6M | $226.0M | 39.28% | 13.86% | 1.95% |
| Q2 2024 | $189.8M | $223.7M | 40.36% | 13.76% | 1.93% |
| Q3 2024 | $188.1M | $225.0M | 40.54% | 14.26% | 1.92% |
| Q4 2024 | $191.6M | $234.2M | 41.27% | 13.38% | 1.83% |
| Q1 2025 | $191.1M | $245.6M | 41.17% | 13.88% | 1.75% |
| Q2 2025 | $201.7M | $249.3M | 38.87% | 15.49% | 2.46% |
| Q3 2025 | $199.3M | $252.3M | 38.41% | 15.48% | 2.58% |
| Q4 2025 | $206.6M | $257.8M | 38.49% | 15.59% | 2.52% |
| Q1 2026 | $202.4M | $265.7M | 39.60% | 16.72% | 2.24% |
| Q2 2026 | $200.1M | $260.7M | 40.00% | 16.28% | 2.05% |
Somerville Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Somerville 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 Somerville Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6700) · FFIEC NIC profile (RSSD 411624)