Bank of Edmonson County: 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): 4.98 percentage points lower than in Q1 2026, at 116.64%. Within Kentucky, Bank of Edmonson County is 57th of 120 on loan-to-deposit ratio, 84.34% as of Q2 2026, above the middle of the field. Bank of Edmonson County reported 84.34% on loan-to-deposit ratio for Q2 2026, 3.50 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $204.7M |
| Net loans and leases | $202.7M |
| Loans held for sale | $0 |
| Loans to total assets | 72.24% |
| Loan-to-deposit ratio | 84.34% |
| Net loans to equity capital | 7.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.39% |
| Multifamily (5+ residential) | 5.43% |
| Commercial and industrial | 1.82% |
| Consumer | 2.88% |
| Credit cards | 0.00% |
| Farm | 13.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 116.64% |
| Construction concentration (Tier 1 capital + allowance) | 49.83% |
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 | 6.92% |
| Interest income on loans | $3.5M |
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 | $183.4M | $241.3M | 14.82% | 2.56% | 4.27% |
| Q4 2023 | $186.9M | $237.5M | 13.87% | 2.73% | 4.13% |
| Q1 2024 | $192.0M | $240.0M | 14.64% | 2.69% | 3.75% |
| Q2 2024 | $193.3M | $239.9M | 15.36% | 2.63% | 3.45% |
| Q3 2024 | $195.5M | $242.4M | 15.47% | 2.63% | 3.37% |
| Q4 2024 | $196.5M | $244.0M | 14.73% | 2.34% | 3.27% |
| Q1 2025 | $196.0M | $247.5M | 15.10% | 2.23% | 3.52% |
| Q2 2025 | $196.2M | $248.6M | 15.24% | 2.18% | 3.18% |
| Q3 2025 | $198.1M | $248.8M | 15.01% | 2.24% | 3.21% |
| Q4 2025 | $201.0M | $242.3M | 14.95% | 2.19% | 3.20% |
| Q1 2026 | $203.1M | $251.1M | 14.68% | 2.02% | 4.02% |
| Q2 2026 | $204.7M | $242.7M | 15.39% | 1.82% | 2.88% |
Bank of Edmonson County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Edmonson County, 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 Edmonson County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 296) · FFIEC NIC profile (RSSD 903240)