Auburn Banking Company: 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): 16.12 percentage points higher than in Q1 2026, at 145.08%. Within Kentucky, Auburn Banking Company is 58th of 120 on loan-to-deposit ratio, 84.01% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Auburn Banking Company sits 3.17 points higher, at 84.01% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $125.8M |
| Net loans and leases | $124.9M |
| Loans held for sale | $0 |
| Loans to total assets | 76.61% |
| Loan-to-deposit ratio | 84.01% |
| Net loans to equity capital | 10.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.93% |
| Multifamily (5+ residential) | 1.64% |
| Commercial and industrial | 7.73% |
| Consumer | 3.17% |
| Credit cards | 0.00% |
| Farm | 14.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.85% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 145.08% |
| Construction concentration (Tier 1 capital + allowance) | 70.29% |
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 | 6.76% |
| Interest income on loans | $2.1M |
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 | $95.1M | $108.7M | 15.94% | 8.00% | 5.79% |
| Q4 2023 | $95.9M | $114.2M | 16.32% | 8.26% | 5.32% |
| Q1 2024 | $101.0M | $118.5M | 15.41% | 7.62% | 4.82% |
| Q2 2024 | $106.0M | $119.7M | 14.80% | 7.50% | 4.89% |
| Q3 2024 | $107.1M | $120.9M | 14.74% | 7.09% | 5.03% |
| Q4 2024 | $107.2M | $120.7M | 14.41% | 7.28% | 4.66% |
| Q1 2025 | $108.5M | $122.3M | 14.09% | 7.40% | 4.44% |
| Q2 2025 | $107.4M | $125.3M | 13.55% | 7.27% | 4.43% |
| Q3 2025 | $111.4M | $127.0M | 12.65% | 7.47% | 4.08% |
| Q4 2025 | $115.8M | $137.7M | 13.43% | 7.64% | 3.75% |
| Q1 2026 | $117.6M | $140.4M | 13.28% | 7.32% | 3.50% |
| Q2 2026 | $125.8M | $149.8M | 12.93% | 7.73% | 3.17% |
Auburn Banking Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Auburn Banking Company, 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 Auburn Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 284) · FFIEC NIC profile (RSSD 811541)