Third Federal Savings & Loan Association of Cleveland: 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.
Loans held for sale climbed 186.6% in Q2 2026, from $5.1M to $14.5M. It was the largest change from Q1 2026 among the key lines here. As of Q2 2026, Third Federal Savings & Loan Association of Cleveland ranks first in Ohio on loan-to-deposit ratio among 156 banks, at 159.75%. Third Federal Savings & Loan Association of Cleveland's loan-to-deposit ratio of 159.75% is well above the 86.83% median for banks in the $10B-100B asset tier, a gap of 72.91 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $16.27B |
| Net loans and leases | $16.20B |
| Loans held for sale | $14.5M |
| Loans to total assets | 90.07% |
| Loan-to-deposit ratio | 159.75% |
| Net loans to equity capital | 9.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.01% |
| Commercial and industrial | 0.00% |
| Consumer | 0.05% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.36% |
| Construction concentration (Tier 1 capital + allowance) | 0.23% |
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 | 4.76% |
| Interest income on loans | $190.4M |
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 | $15.25B | $9.60B | 0.00% | 0.00% | 0.03% |
| Q4 2023 | $15.28B | $10.05B | 0.00% | 0.00% | 0.03% |
| Q1 2024 | $15.23B | $10.05B | 0.00% | 0.00% | 0.03% |
| Q2 2024 | $15.29B | $10.18B | 0.00% | 0.00% | 0.03% |
| Q3 2024 | $15.41B | $10.32B | 0.00% | 0.00% | 0.04% |
| Q4 2024 | $15.41B | $10.37B | 0.00% | 0.00% | 0.04% |
| Q1 2025 | $15.44B | $10.51B | 0.00% | 0.00% | 0.05% |
| Q2 2025 | $15.70B | $10.49B | 0.00% | 0.00% | 0.05% |
| Q3 2025 | $15.80B | $10.58B | 0.00% | 0.00% | 0.05% |
| Q4 2025 | $15.83B | $10.54B | 0.00% | 0.00% | 0.05% |
| Q1 2026 | $15.82B | $10.30B | 0.00% | 0.00% | 0.05% |
| Q2 2026 | $16.27B | $10.18B | 0.00% | 0.00% | 0.05% |
Third Federal Savings & Loan Association of Cleveland loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Third Federal Savings & Loan Association of Cleveland, 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 Third Federal Savings & Loan Association of Cleveland profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30012) · FFIEC NIC profile (RSSD 915878)