The St. Henry Bank

St. Henry, OhioFDIC Cert #9871

STATEEstablished 19053 branches

Holding company: ST HENRY BCORP INC THERegulator: FED

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$47.1M
Investor CRE	$9.36M
Multifamily	$20.4M
Construction	$15.5M
1–4 family	$63.2M
C&I	$25.4M
Agriculture	$63.5M
Other	$6.02M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$250M

+0.6%y/y

Percentile by value24th percentileby value

FDICLNLSGR

Net loans

$247M

+0.5%y/y

Percentile by value24th percentileby value

FDICLNLSNET

Loans YoY

+0.45%

−95.0%y/y

Percentile by value22nd percentileby value

FDICLNLSNET

L/D

62.7%

+8.3%y/y

Percentile by value17th percentileby value

FDICLNLSNET + DEP

Loans/assets

55.2%

+5.9%y/y

Percentile by value19th percentileby value

FDICLNLSNET + ASSET

RE loans %

87.70%

+5.1%y/y

Percentile by value57th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,811points

+8.5%y/y

Peer standing75th percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

18.81%

+4.2%y/y

Percentile by value77th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

3.74%

−37.7%y/y

Percentile by value12th percentileby value

FDICLNRENROT + LNLSGR

C&I %

10.13%

−24.9%y/y

Percentile by value56th percentileby value

FDICLNCI + LNLSGR