Bank of Maysville: 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): 9.32 percentage points lower than in Q1 2026, at 76.98%. Bank of Maysville ranks 104th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 65.05% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of Maysville sits 15.79 points lower, at 65.05% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $87.0M |
| Net loans and leases | $86.3M |
| Loans held for sale | $0 |
| Loans to total assets | 53.04% |
| Loan-to-deposit ratio | 65.05% |
| Net loans to equity capital | 3.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.18% |
| Multifamily (5+ residential) | 3.49% |
| Commercial and industrial | 0.73% |
| Consumer | 1.32% |
| Credit cards | 0.00% |
| Farm | 8.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.85% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 76.98% |
| Construction concentration (Tier 1 capital + allowance) | 14.59% |
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 | 6.15% |
| Interest income on loans | $1.3M |
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 | $78.1M | $133.3M | 26.48% | 0.89% | 1.78% |
| Q4 2023 | $76.6M | $132.2M | 24.92% | 0.80% | 1.80% |
| Q1 2024 | $77.5M | $130.3M | 26.80% | 0.83% | 1.79% |
| Q2 2024 | $77.6M | $130.7M | 30.15% | 0.66% | 1.75% |
| Q3 2024 | $81.2M | $128.1M | 29.99% | 0.54% | 1.59% |
| Q4 2024 | $84.2M | $126.8M | 29.40% | 0.60% | 1.46% |
| Q1 2025 | $84.0M | $134.8M | 29.11% | 0.56% | 1.47% |
| Q2 2025 | $88.0M | $138.0M | 29.76% | 0.81% | 1.52% |
| Q3 2025 | $88.1M | $133.3M | 29.64% | 0.81% | 1.53% |
| Q4 2025 | $89.0M | $129.5M | 30.33% | 0.73% | 1.49% |
| Q1 2026 | $88.4M | $134.5M | 27.37% | 0.77% | 1.45% |
| Q2 2026 | $87.0M | $133.7M | 27.18% | 0.73% | 1.32% |
Bank of Maysville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Maysville, 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 Maysville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9315) · FFIEC NIC profile (RSSD 782016)