The Casey County Bank, 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.
Loan-to-deposit ratio dropped 4.69 percentage points in Q2 2026, from 67.55% to 62.87%. It was the largest change from Q1 2026 among the key lines here. The Casey County Bank, Inc. ranks 107th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 62.87% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Casey County Bank, Inc. sits 17.97 points lower, at 62.87% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $229.8M |
| Net loans and leases | $226.4M |
| Loans held for sale | $0 |
| Loans to total assets | 45.21% |
| Loan-to-deposit ratio | 62.87% |
| Net loans to equity capital | 6.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.65% |
| Multifamily (5+ residential) | 1.93% |
| Commercial and industrial | 16.63% |
| Consumer | 8.75% |
| Credit cards | 0.00% |
| Farm | 12.99% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.37% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 67.00% |
| Construction concentration (Tier 1 capital + allowance) | 11.61% |
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 | 7.31% |
| Interest income on loans | $4.2M |
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 | $181.7M | $274.6M | 20.15% | 13.38% | 9.53% |
| Q4 2023 | $181.3M | $280.6M | 20.40% | 13.09% | 9.55% |
| Q1 2024 | $182.8M | $276.3M | 19.90% | 14.51% | 9.67% |
| Q2 2024 | $185.0M | $290.7M | 20.77% | 14.92% | 9.50% |
| Q3 2024 | $186.8M | $294.8M | 20.65% | 14.06% | 10.04% |
| Q4 2024 | $189.0M | $302.6M | 19.04% | 13.41% | 10.08% |
| Q1 2025 | $195.3M | $300.6M | 18.33% | 15.91% | 9.93% |
| Q2 2025 | $201.2M | $293.1M | 17.12% | 17.12% | 10.12% |
| Q3 2025 | $205.5M | $294.0M | 15.50% | 17.27% | 9.72% |
| Q4 2025 | $215.1M | $305.8M | 15.02% | 17.54% | 9.41% |
| Q1 2026 | $227.9M | $337.3M | 15.58% | 17.99% | 8.77% |
| Q2 2026 | $229.8M | $365.6M | 15.65% | 16.63% | 8.75% |
The Casey County Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Casey County Bank, 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 The Casey County Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15708) · FFIEC NIC profile (RSSD 646145)