Bank of the Mountains, 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.
Cre concentration (tier 1 capital + allowance) climbed 8.53 percentage points in Q2 2026, from 95.41% to 103.95%. It was the largest change from Q1 2026 among the key lines here. Bank of the Mountains, Inc. ranks 50th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 85.77% (Q2 2026). Bank of the Mountains, Inc. reported 85.77% on loan-to-deposit ratio for Q2 2026, 4.94 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $75.4M |
| Net loans and leases | $74.5M |
| Loans held for sale | $0 |
| Loans to total assets | 75.43% |
| Loan-to-deposit ratio | 85.77% |
| Net loans to equity capital | 8.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.33% |
| Multifamily (5+ residential) | 0.47% |
| Commercial and industrial | 5.05% |
| Consumer | 23.29% |
| Credit cards | 0.31% |
| Farm | 11.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 103.95% |
| Construction concentration (Tier 1 capital + allowance) | 16.92% |
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 | 7.24% |
| 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 | $56.9M | $79.1M | 9.12% | 5.79% | 25.97% |
| Q4 2023 | $59.4M | $75.5M | 10.94% | 4.66% | 26.42% |
| Q1 2024 | $59.6M | $78.0M | 10.63% | 4.45% | 25.94% |
| Q2 2024 | $60.8M | $79.2M | 10.11% | 4.25% | 27.19% |
| Q3 2024 | $61.6M | $78.8M | 10.74% | 4.28% | 26.38% |
| Q4 2024 | $62.0M | $81.7M | 10.35% | 4.01% | 26.25% |
| Q1 2025 | $64.9M | $83.9M | 10.46% | 6.49% | 24.92% |
| Q2 2025 | $66.1M | $86.3M | 10.47% | 6.09% | 24.88% |
| Q3 2025 | $67.5M | $86.1M | 10.31% | 5.72% | 24.66% |
| Q4 2025 | $68.8M | $85.8M | 10.54% | 5.63% | 23.96% |
| Q1 2026 | $70.0M | $88.5M | 10.95% | 5.37% | 23.98% |
| Q2 2026 | $75.4M | $88.0M | 12.33% | 5.05% | 23.29% |
Bank of the Mountains, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Mountains, 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 the Mountains, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21219) · FFIEC NIC profile (RSSD 422116)