Bank of Lexington, Inc.: 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): 9.12 percentage points higher than in Q1 2026, at 258.79%. Bank of Lexington, Inc. ranks 15th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 100.28% (Q2 2026). Bank of Lexington, Inc. reported 100.28% on loan-to-deposit ratio for Q2 2026, 19.44 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $323.0M |
| Net loans and leases | $321.3M |
| Loans held for sale | $1.7M |
| Loans to total assets | 78.64% |
| Loan-to-deposit ratio | 100.28% |
| Net loans to equity capital | 7.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.39% |
| Multifamily (5+ residential) | 2.78% |
| Commercial and industrial | 3.00% |
| Consumer | 0.15% |
| Credit cards | 0.00% |
| Farm | 1.58% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.23% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 258.79% |
| Construction concentration (Tier 1 capital + allowance) | 68.42% |
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 | 6.25% |
| Interest income on loans | $5.0M |
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 | $252.4M | $309.7M | 29.72% | 2.83% | 0.05% |
| Q4 2023 | $261.7M | $292.4M | 31.90% | 2.36% | 0.06% |
| Q1 2024 | $258.0M | $280.2M | 30.10% | 1.59% | 0.07% |
| Q2 2024 | $268.0M | $277.3M | 31.33% | 1.81% | 0.08% |
| Q3 2024 | $273.7M | $290.5M | 30.55% | 2.79% | 0.09% |
| Q4 2024 | $286.9M | $297.7M | 30.39% | 2.83% | 0.09% |
| Q1 2025 | $292.5M | $408.5M | 29.45% | 2.14% | 0.07% |
| Q2 2025 | $296.2M | $385.7M | 29.50% | 3.41% | 0.15% |
| Q3 2025 | $300.4M | $380.1M | 28.60% | 3.35% | 0.19% |
| Q4 2025 | $313.7M | $349.7M | 29.07% | 2.96% | 0.19% |
| Q1 2026 | $314.9M | $341.3M | 31.08% | 3.08% | 0.19% |
| Q2 2026 | $323.0M | $322.2M | 32.39% | 3.00% | 0.15% |
Bank of Lexington, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Lexington, Inc., 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 Lexington, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58164) · FFIEC NIC profile (RSSD 3410141)