The Twin Valley 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 7.40 percentage points in Q2 2026, from 62.25% to 69.65%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Twin Valley Bank is 111th of 156 on loan-to-deposit ratio, 73.22% as of Q2 2026, below the middle of the field. The Twin Valley Bank reported 73.22% on loan-to-deposit ratio for Q2 2026, 7.62 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $92.6M |
| Net loans and leases | $91.8M |
| Loans held for sale | $0 |
| Loans to total assets | 67.31% |
| Loan-to-deposit ratio | 73.22% |
| Net loans to equity capital | 8.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.07% |
| Multifamily (5+ residential) | 2.23% |
| Commercial and industrial | 10.22% |
| Consumer | 1.78% |
| Credit cards | 0.00% |
| Farm | 6.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 69.65% |
| Construction concentration (Tier 1 capital + allowance) | 17.28% |
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 | $1.6M |
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 | $73.5M | $117.9M | 22.54% | 11.69% | 2.31% |
| Q4 2023 | $76.6M | $118.8M | 22.49% | 12.02% | 2.46% |
| Q1 2024 | $79.9M | $118.1M | 22.16% | 12.49% | 2.17% |
| Q2 2024 | $83.3M | $120.9M | 22.56% | 12.66% | 2.12% |
| Q3 2024 | $83.7M | $125.2M | 21.98% | 11.91% | 2.13% |
| Q4 2024 | $85.4M | $124.3M | 22.28% | 11.73% | 2.22% |
| Q1 2025 | $88.8M | $125.4M | 23.21% | 11.66% | 2.14% |
| Q2 2025 | $92.3M | $128.8M | 22.36% | 11.83% | 2.07% |
| Q3 2025 | $94.3M | $128.7M | 22.07% | 11.55% | 2.09% |
| Q4 2025 | $94.3M | $135.0M | 22.59% | 11.04% | 1.90% |
| Q1 2026 | $94.1M | $128.5M | 22.95% | 10.87% | 1.82% |
| Q2 2026 | $92.6M | $126.5M | 23.07% | 10.22% | 1.78% |
The Twin Valley Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Twin Valley 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 Twin Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13802) · FFIEC NIC profile (RSSD 381026)