Valley Central 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 Loan-to-deposit ratio: 3.15 percentage points higher than in Q1 2026, at 97.56%. Within Ohio, Valley Central Bank is 26th of 156 on loan-to-deposit ratio, 97.56% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Valley Central Bank sits 17.01 points higher, at 97.56% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $142.4M |
| Net loans and leases | $140.6M |
| Loans held for sale | $271K |
| Loans to total assets | 76.26% |
| Loan-to-deposit ratio | 97.56% |
| Net loans to equity capital | 3.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.87% |
| Multifamily (5+ residential) | 10.82% |
| Commercial and industrial | 2.21% |
| Consumer | 0.84% |
| Credit cards | 0.00% |
| Farm | 0.94% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 121.64% |
| Construction concentration (Tier 1 capital + allowance) | 5.06% |
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 | 5.65% |
| Interest income on loans | $2.0M |
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 | $141.2M | $113.6M | 30.52% | 3.64% | 0.71% |
| Q4 2023 | $143.3M | $117.2M | 30.87% | 3.51% | 0.64% |
| Q1 2024 | $149.3M | $119.9M | 32.50% | 3.63% | 0.56% |
| Q2 2024 | $148.0M | $122.9M | 33.52% | 3.39% | 0.52% |
| Q3 2024 | $150.7M | $128.5M | 34.76% | 3.34% | 0.61% |
| Q4 2024 | $150.5M | $131.3M | 35.39% | 3.19% | 0.61% |
| Q1 2025 | $152.9M | $134.9M | 37.32% | 2.95% | 0.61% |
| Q2 2025 | $146.0M | $136.6M | 36.98% | 2.81% | 0.63% |
| Q3 2025 | $140.5M | $138.1M | 37.16% | 2.79% | 0.56% |
| Q4 2025 | $142.8M | $146.3M | 37.78% | 2.69% | 0.53% |
| Q1 2026 | $138.8M | $147.0M | 37.57% | 2.65% | 0.53% |
| Q2 2026 | $142.4M | $146.0M | 36.87% | 2.21% | 0.84% |
Valley Central Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Valley Central 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 Valley Central Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28555) · FFIEC NIC profile (RSSD 320070)