The Cecilian Bank: 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): 1.36 percentage points higher than in Q1 2026, at 191.38%. The Cecilian Bank ranks 69th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 80.43% (Q2 2026). The Cecilian Bank reported 80.43% on loan-to-deposit ratio for Q2 2026, 7.77 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.07B |
| Net loans and leases | $1.06B |
| Loans held for sale | $0 |
| Loans to total assets | 67.06% |
| Loan-to-deposit ratio | 80.43% |
| Net loans to equity capital | 6.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.73% |
| Multifamily (5+ residential) | 4.83% |
| Commercial and industrial | 5.63% |
| Consumer | 4.40% |
| Credit cards | 0.32% |
| Farm | 10.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.23% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 191.38% |
| Construction concentration (Tier 1 capital + allowance) | 43.44% |
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 | 6.75% |
| Interest income on loans | $17.8M |
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 | $948.0M | $1.20B | 30.29% | 6.35% | 5.04% |
| Q4 2023 | $971.7M | $1.24B | 30.24% | 6.76% | 4.75% |
| Q1 2024 | $983.0M | $1.27B | 29.91% | 6.10% | 4.71% |
| Q2 2024 | $996.5M | $1.27B | 29.49% | 5.93% | 4.60% |
| Q3 2024 | $988.4M | $1.23B | 30.84% | 6.21% | 4.70% |
| Q4 2024 | $1.01B | $1.25B | 29.69% | 6.15% | 4.66% |
| Q1 2025 | $1.03B | $1.26B | 28.72% | 6.69% | 4.61% |
| Q2 2025 | $1.04B | $1.27B | 29.68% | 6.18% | 4.63% |
| Q3 2025 | $1.06B | $1.27B | 29.53% | 6.34% | 4.55% |
| Q4 2025 | $1.06B | $1.28B | 30.92% | 6.50% | 4.53% |
| Q1 2026 | $1.05B | $1.30B | 30.66% | 6.43% | 4.39% |
| Q2 2026 | $1.07B | $1.33B | 30.73% | 5.63% | 4.40% |
The Cecilian Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Cecilian Bank, 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 Cecilian Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8774) · FFIEC NIC profile (RSSD 982142)