1st Trust Bank, Inc.: 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 CRE concentration (Tier 1 capital + allowance): 26.30 percentage points higher than in Q1 2026, at 343.95%. Within Kentucky, 1st Trust Bank, Inc. is 22nd of 120 on loan-to-deposit ratio, 96.20% as of Q2 2026, above the middle of the field. 1st Trust Bank, Inc. reported 96.20% on loan-to-deposit ratio for Q2 2026, 15.37 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $297.4M |
| Net loans and leases | $295.4M |
| Loans held for sale | $0 |
| Loans to total assets | 84.56% |
| Loan-to-deposit ratio | 96.20% |
| Net loans to equity capital | 9.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.42% |
| Multifamily (5+ residential) | 2.75% |
| Commercial and industrial | 12.66% |
| Consumer | 3.18% |
| Credit cards | 0.00% |
| Farm | 0.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 343.95% |
| Construction concentration (Tier 1 capital + allowance) | 103.88% |
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 | 6.49% |
| Interest income on loans | $4.6M |
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 | $215.2M | $230.1M | 41.70% | 12.15% | 4.29% |
| Q4 2023 | $219.4M | $254.7M | 38.90% | 11.44% | 4.40% |
| Q1 2024 | $221.4M | $257.3M | 38.25% | 12.77% | 4.19% |
| Q2 2024 | $228.8M | $264.2M | 39.95% | 10.35% | 4.09% |
| Q3 2024 | $241.2M | $271.8M | 37.39% | 12.85% | 4.17% |
| Q4 2024 | $244.4M | $285.2M | 36.68% | 12.21% | 4.30% |
| Q1 2025 | $251.7M | $291.5M | 35.56% | 12.37% | 4.43% |
| Q2 2025 | $257.2M | $297.1M | 35.20% | 12.85% | 4.22% |
| Q3 2025 | $259.1M | $291.7M | 36.43% | 11.92% | 3.71% |
| Q4 2025 | $263.0M | $301.9M | 35.90% | 13.34% | 3.53% |
| Q1 2026 | $278.4M | $302.0M | 34.93% | 14.45% | 3.46% |
| Q2 2026 | $297.4M | $309.2M | 36.42% | 12.66% | 3.18% |
1st Trust Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Trust Bank, Inc., 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 1st Trust Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57869) · FFIEC NIC profile (RSSD 3309393)