Bank of Jamestown: 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): 6.80 percentage points higher than in Q1 2026, at 206.75%. Within Kentucky, Bank of Jamestown is 63rd of 120 on loan-to-deposit ratio, 82.11% as of Q2 2026, below the middle of the field. At 82.11%, Bank of Jamestown's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $157.8M |
| Net loans and leases | $155.5M |
| Loans held for sale | $0 |
| Loans to total assets | 59.83% |
| Loan-to-deposit ratio | 82.11% |
| Net loans to equity capital | 4.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.78% |
| Multifamily (5+ residential) | 11.43% |
| Commercial and industrial | 4.46% |
| Consumer | 1.75% |
| Credit cards | 0.00% |
| Farm | 9.25% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.53% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 206.75% |
| Construction concentration (Tier 1 capital + allowance) | 35.70% |
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 | 6.32% |
| Interest income on loans | $2.5M |
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 | $143.9M | $172.0M | 45.54% | 5.16% | 1.49% |
| Q4 2023 | $150.6M | $172.5M | 43.23% | 4.56% | 1.48% |
| Q1 2024 | $148.3M | $180.1M | 43.11% | 4.55% | 1.45% |
| Q2 2024 | $153.7M | $185.1M | 42.68% | 4.37% | 1.56% |
| Q3 2024 | $152.7M | $179.6M | 42.50% | 4.23% | 1.67% |
| Q4 2024 | $152.3M | $184.5M | 40.12% | 5.44% | 1.63% |
| Q1 2025 | $153.4M | $185.2M | 40.92% | 5.17% | 1.68% |
| Q2 2025 | $160.4M | $190.7M | 42.61% | 4.80% | 1.51% |
| Q3 2025 | $162.6M | $191.2M | 43.31% | 4.54% | 1.64% |
| Q4 2025 | $161.7M | $192.3M | 43.82% | 5.01% | 1.69% |
| Q1 2026 | $157.4M | $192.5M | 41.68% | 4.98% | 1.74% |
| Q2 2026 | $157.8M | $192.2M | 39.78% | 4.46% | 1.75% |
Bank of Jamestown loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Jamestown, 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 Jamestown profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8118) · FFIEC NIC profile (RSSD 567240)