Central Bank & Trust Company: 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 Loans held for sale: 77.3% higher than in Q1 2026, at $4.6M. Central Bank & Trust Company ranks 20th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 96.60% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Central Bank & Trust Company sits 8.40 points higher, at 96.60% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.01B |
| Net loans and leases | $2.98B |
| Loans held for sale | $4.6M |
| Loans to total assets | 75.13% |
| Loan-to-deposit ratio | 96.60% |
| Net loans to equity capital | 5.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.41% |
| Multifamily (5+ residential) | 11.39% |
| Commercial and industrial | 11.16% |
| Consumer | 1.21% |
| Credit cards | 0.29% |
| Farm | 0.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.48% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 262.41% |
| Construction concentration (Tier 1 capital + allowance) | 54.31% |
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 | 5.99% |
| Interest income on loans | $44.2M |
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 | $2.60B | $2.70B | 30.09% | 12.88% | 4.21% |
| Q4 2023 | $2.69B | $2.74B | 32.57% | 13.31% | 3.87% |
| Q1 2024 | $2.75B | $2.75B | 33.01% | 12.67% | 3.36% |
| Q2 2024 | $2.85B | $2.75B | 33.05% | 12.62% | 3.07% |
| Q3 2024 | $2.84B | $2.79B | 33.83% | 12.84% | 3.02% |
| Q4 2024 | $2.86B | $2.86B | 35.43% | 13.31% | 2.65% |
| Q1 2025 | $2.87B | $2.93B | 36.11% | 13.15% | 2.03% |
| Q2 2025 | $2.86B | $2.94B | 34.89% | 12.35% | 1.88% |
| Q3 2025 | $2.87B | $3.06B | 36.20% | 11.63% | 1.68% |
| Q4 2025 | $2.92B | $3.07B | 36.60% | 11.96% | 1.46% |
| Q1 2026 | $2.94B | $3.11B | 37.58% | 11.75% | 1.30% |
| Q2 2026 | $3.01B | $3.12B | 37.41% | 11.16% | 1.21% |
Central Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15815) · FFIEC NIC profile (RSSD 1007015)