Vinton County National 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: 1.96 percentage points higher than in Q1 2026, at 81.22%. Vinton County National Bank ranks 80th of 156 Ohio banks on loan-to-deposit ratio, in the lower half at 81.22% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Vinton County National Bank sits 6.98 points lower, at 81.22% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.13B |
| Net loans and leases | $1.12B |
| Loans held for sale | $831K |
| Loans to total assets | 71.26% |
| Loan-to-deposit ratio | 81.22% |
| Net loans to equity capital | 6.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.92% |
| Multifamily (5+ residential) | 0.74% |
| Commercial and industrial | 5.61% |
| Consumer | 17.85% |
| Credit cards | 0.59% |
| Farm | 0.56% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.94% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 113.82% |
| Construction concentration (Tier 1 capital + allowance) | 72.12% |
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 | 6.50% |
| Interest income on loans | $18.1M |
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 | $966.4M | $1.23B | 13.01% | 5.21% | 27.49% |
| Q4 2023 | $981.4M | $1.23B | 12.71% | 5.24% | 27.42% |
| Q1 2024 | $982.8M | $1.27B | 12.38% | 5.26% | 26.72% |
| Q2 2024 | $997.2M | $1.27B | 12.66% | 5.37% | 25.91% |
| Q3 2024 | $1.01B | $1.32B | 13.05% | 5.23% | 24.96% |
| Q4 2024 | $1.01B | $1.31B | 13.17% | 5.01% | 23.91% |
| Q1 2025 | $1.03B | $1.37B | 13.47% | 5.11% | 22.92% |
| Q2 2025 | $1.06B | $1.33B | 13.68% | 4.94% | 21.72% |
| Q3 2025 | $1.08B | $1.37B | 14.15% | 5.26% | 20.36% |
| Q4 2025 | $1.09B | $1.35B | 14.55% | 5.42% | 19.03% |
| Q1 2026 | $1.10B | $1.39B | 14.72% | 5.23% | 18.21% |
| Q2 2026 | $1.13B | $1.39B | 14.92% | 5.61% | 17.85% |
Vinton County National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Vinton County National 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 Vinton County National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6636) · FFIEC NIC profile (RSSD 754826)