Blue Grass Federal Savings and Loan Association: 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): 6.94 percentage points lower than in Q1 2026, at 53.23%. Among 120 Kentucky banks, Blue Grass Federal Savings and Loan Association sits 6th from the top on loan-to-deposit ratio, 111.03% as of Q2 2026. Against a median of 67.92% for banks in the < $100M asset tier, Blue Grass Federal Savings and Loan Association reported 111.03% on loan-to-deposit ratio in Q2 2026, 43.11 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $45.0M |
| Net loans and leases | $44.6M |
| Loans held for sale | $0 |
| Loans to total assets | 76.96% |
| Loan-to-deposit ratio | 111.03% |
| Net loans to equity capital | 4.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.06% |
| Multifamily (5+ residential) | 3.71% |
| Commercial and industrial | 7.68% |
| Consumer | 0.75% |
| Credit cards | 0.00% |
| Farm | 2.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 53.23% |
| Construction concentration (Tier 1 capital + allowance) | 28.51% |
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 | 5.79% |
| Interest income on loans | $636K |
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 | $37.9M | $33.5M | 8.23% | 6.95% | 1.28% |
| Q4 2023 | $38.3M | $33.4M | 7.96% | 6.80% | 1.41% |
| Q1 2024 | $39.0M | $34.7M | 7.75% | 6.93% | 1.38% |
| Q2 2024 | $41.4M | $34.7M | 8.51% | 6.63% | 1.05% |
| Q3 2024 | $41.3M | $35.4M | 8.39% | 6.74% | 1.07% |
| Q4 2024 | $40.3M | $35.6M | 6.95% | 6.63% | 0.99% |
| Q1 2025 | $40.8M | $36.9M | 6.78% | 7.23% | 0.94% |
| Q2 2025 | $41.1M | $35.7M | 7.92% | 6.77% | 1.06% |
| Q3 2025 | $41.7M | $38.5M | 8.67% | 7.64% | 0.92% |
| Q4 2025 | $41.0M | $39.6M | 9.26% | 7.39% | 0.87% |
| Q1 2026 | $42.3M | $40.0M | 7.76% | 7.45% | 0.72% |
| Q2 2026 | $45.0M | $40.6M | 9.06% | 7.68% | 0.75% |
Blue Grass Federal Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Blue Grass Federal Savings and Loan Association, 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 Blue Grass Federal Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31090) · FFIEC NIC profile (RSSD 617079)