Bank of Columbia: 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.
Farm dropped 1.75 percentage points in Q2 2026, from 21.10% to 19.35%. It was the largest change from Q1 2026 among the key lines here. Bank of Columbia ranks 41st of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 88.95% (Q2 2026). Bank of Columbia reported 88.95% on loan-to-deposit ratio for Q2 2026, 8.12 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $186.1M |
| Net loans and leases | $183.2M |
| Loans held for sale | $0 |
| Loans to total assets | 80.53% |
| Loan-to-deposit ratio | 88.95% |
| Net loans to equity capital | 8.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.44% |
| Multifamily (5+ residential) | 0.64% |
| Commercial and industrial | 9.81% |
| Consumer | 4.02% |
| Credit cards | 0.00% |
| Farm | 19.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 86.07% |
| Construction concentration (Tier 1 capital + allowance) | 21.41% |
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 | 6.97% |
| Interest income on loans | $3.2M |
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 | $157.6M | $172.2M | 27.84% | 10.48% | 4.50% |
| Q4 2023 | $160.6M | $173.0M | 26.94% | 11.23% | 4.50% |
| Q1 2024 | $163.6M | $179.4M | 27.81% | 12.23% | 4.16% |
| Q2 2024 | $168.5M | $185.4M | 26.91% | 11.50% | 4.15% |
| Q3 2024 | $172.9M | $187.0M | 26.97% | 11.48% | 4.09% |
| Q4 2024 | $173.1M | $192.6M | 22.13% | 9.67% | 4.01% |
| Q1 2025 | $172.1M | $194.1M | 16.58% | 10.13% | 3.98% |
| Q2 2025 | $178.1M | $198.1M | 15.64% | 10.83% | 3.98% |
| Q3 2025 | $185.7M | $197.8M | 15.14% | 10.53% | 3.89% |
| Q4 2025 | $188.1M | $202.9M | 15.45% | 11.73% | 3.84% |
| Q1 2026 | $185.7M | $208.5M | 15.29% | 10.71% | 3.92% |
| Q2 2026 | $186.1M | $209.2M | 15.44% | 9.81% | 4.02% |
Bank of Columbia loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Columbia, 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 Bank of Columbia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8775) · FFIEC NIC profile (RSSD 839246)