Citizens Bank of Cumberland County, 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.
Construction concentration (tier 1 capital + allowance) climbed 5.74 percentage points in Q2 2026, from 31.63% to 37.37%. It was the largest change from Q1 2026 among the key lines here. Citizens Bank of Cumberland County, Inc. ranks 56th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 84.43% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Citizens Bank of Cumberland County, Inc. sits 16.81 points higher, at 84.43% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $67.9M |
| Net loans and leases | $67.2M |
| Loans held for sale | $0 |
| Loans to total assets | 71.60% |
| Loan-to-deposit ratio | 84.43% |
| Net loans to equity capital | 5.79% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.29% |
| Multifamily (5+ residential) | 1.39% |
| Commercial and industrial | 3.84% |
| Consumer | 12.79% |
| Credit cards | 0.00% |
| Farm | 6.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 89.64% |
| Construction concentration (Tier 1 capital + allowance) | 37.37% |
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 | 7.64% |
| Interest income on loans | $1.3M |
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 | $61.6M | $76.2M | 15.32% | 5.92% | 16.16% |
| Q4 2023 | $63.0M | $80.6M | 15.78% | 6.28% | 15.30% |
| Q1 2024 | $64.8M | $76.7M | 15.78% | 6.05% | 16.79% |
| Q2 2024 | $64.1M | $79.7M | 15.65% | 6.21% | 14.25% |
| Q3 2024 | $64.2M | $76.9M | 14.82% | 6.17% | 14.41% |
| Q4 2024 | $65.2M | $80.3M | 15.00% | 5.74% | 14.15% |
| Q1 2025 | $65.6M | $79.2M | 16.57% | 5.38% | 13.66% |
| Q2 2025 | $65.4M | $79.5M | 16.31% | 5.52% | 13.45% |
| Q3 2025 | $65.4M | $80.5M | 15.76% | 5.30% | 13.33% |
| Q4 2025 | $66.2M | $82.7M | 15.51% | 4.79% | 13.29% |
| Q1 2026 | $66.9M | $81.5M | 15.19% | 4.14% | 12.82% |
| Q2 2026 | $67.9M | $80.5M | 15.29% | 3.84% | 12.79% |
Citizens Bank of Cumberland County, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank of Cumberland County, 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 Citizens Bank of Cumberland County, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35442) · FFIEC NIC profile (RSSD 2921622)