Bank of Hindman: 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.
Construction concentration (tier 1 capital + allowance) climbed 7.30 percentage points in Q2 2026, from 18.82% to 26.12%. It was the largest change from Q1 2026 among the key lines here. Bank of Hindman has the 8th lowest loan-to-deposit ratio of the 120 banks headquartered in Kentucky, at 56.40% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Hindman sits 24.44 points lower, at 56.40% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $119.2M |
| Net loans and leases | $117.8M |
| Loans held for sale | $0 |
| Loans to total assets | 45.90% |
| Loan-to-deposit ratio | 56.40% |
| Net loans to equity capital | 6.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.58% |
| Multifamily (5+ residential) | 6.98% |
| Commercial and industrial | 13.64% |
| Consumer | 6.09% |
| Credit cards | 0.00% |
| Farm | 0.62% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 194.56% |
| Construction concentration (Tier 1 capital + allowance) | 26.12% |
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 | 6.07% |
| Interest income on loans | $1.8M |
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 | $113.2M | $208.8M | 32.88% | 11.21% | 3.24% |
| Q4 2023 | $117.1M | $212.9M | 32.28% | 10.49% | 3.90% |
| Q1 2024 | $117.1M | $212.4M | 32.05% | 10.63% | 3.48% |
| Q2 2024 | $116.4M | $214.7M | 33.44% | 10.45% | 4.91% |
| Q3 2024 | $118.2M | $209.7M | 31.94% | 9.84% | 5.69% |
| Q4 2024 | $119.5M | $210.8M | 33.05% | 9.63% | 5.64% |
| Q1 2025 | $122.8M | $214.5M | 33.47% | 10.32% | 5.23% |
| Q2 2025 | $122.6M | $213.0M | 33.22% | 10.02% | 5.87% |
| Q3 2025 | $122.7M | $206.0M | 31.60% | 10.54% | 5.88% |
| Q4 2025 | $124.6M | $217.7M | 35.51% | 9.88% | 5.65% |
| Q1 2026 | $121.4M | $217.2M | 37.74% | 13.63% | 5.57% |
| Q2 2026 | $119.2M | $211.4M | 37.58% | 13.64% | 6.09% |
Bank of Hindman loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Hindman, 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 Hindman profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 289) · FFIEC NIC profile (RSSD 763211)