Central Bank and Trust: 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 Construction concentration (Tier 1 capital + allowance): 9.60 percentage points higher than in Q1 2026, at 99.87%. Central Bank and Trust ranks 14th of 23 Wyoming banks on loan-to-deposit ratio, in the lower half at 61.31% (Q2 2026). Central Bank and Trust reported 61.31% on loan-to-deposit ratio for Q2 2026, 19.53 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $111.8M |
| Net loans and leases | $111.0M |
| Loans held for sale | $178K |
| Loans to total assets | 55.19% |
| Loan-to-deposit ratio | 61.31% |
| Net loans to equity capital | 6.45% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.10% |
| Multifamily (5+ residential) | 3.35% |
| Commercial and industrial | 5.31% |
| Consumer | 1.03% |
| Credit cards | 0.00% |
| Farm | 2.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 207.07% |
| Construction concentration (Tier 1 capital + allowance) | 99.87% |
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 | 7.01% |
| Interest income on loans | $1.9M |
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 | $118.4M | $189.5M | 31.18% | 9.89% | 2.15% |
| Q4 2023 | $121.9M | $190.6M | 29.93% | 9.91% | 2.08% |
| Q1 2024 | $117.8M | $187.0M | 32.34% | 10.02% | 2.10% |
| Q2 2024 | $114.8M | $183.8M | 31.59% | 9.66% | 2.12% |
| Q3 2024 | $113.4M | $183.4M | 31.63% | 9.40% | 1.94% |
| Q4 2024 | $110.6M | $189.8M | 31.46% | 9.15% | 1.69% |
| Q1 2025 | $106.8M | $187.3M | 32.10% | 8.35% | 1.65% |
| Q2 2025 | $108.2M | $174.8M | 29.43% | 9.17% | 1.52% |
| Q3 2025 | $107.3M | $172.9M | 29.39% | 8.47% | 1.43% |
| Q4 2025 | $109.4M | $183.5M | 28.52% | 8.16% | 1.41% |
| Q1 2026 | $111.1M | $189.4M | 28.78% | 7.50% | 1.25% |
| Q2 2026 | $111.8M | $182.3M | 29.10% | 5.31% | 1.03% |
Central Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Bank and Trust, 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 Central Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 529) · FFIEC NIC profile (RSSD 903950)