Clinton 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.
Loan-to-deposit ratio climbed 3.21 percentage points in Q2 2026, from 84.83% to 88.03%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Clinton Bank is 42nd of 120 on loan-to-deposit ratio, 88.03% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Clinton Bank sits 20.41 points higher, at 88.03% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $52.1M |
| Net loans and leases | $51.4M |
| Loans held for sale | $0 |
| Loans to total assets | 73.99% |
| Loan-to-deposit ratio | 88.03% |
| Net loans to equity capital | 4.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.12% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.81% |
| Consumer | 4.85% |
| Credit cards | 0.00% |
| Farm | 43.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.44% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 11.96% |
| Construction concentration (Tier 1 capital + allowance) | 2.57% |
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 | — |
| Interest income on loans | $876K |
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 | $40.6M | $55.9M | 13.00% | 7.66% | 4.33% |
| Q4 2023 | $40.5M | $63.8M | 12.53% | 9.39% | 4.29% |
| Q1 2024 | $40.6M | $55.4M | 11.77% | 9.39% | 4.32% |
| Q2 2024 | $42.1M | $54.2M | 12.02% | 8.81% | 4.11% |
| Q3 2024 | $42.7M | $56.4M | 11.67% | 8.90% | 4.20% |
| Q4 2024 | $42.0M | $58.0M | 12.03% | 9.66% | 4.72% |
| Q1 2025 | $43.0M | $57.9M | 11.37% | 9.30% | 4.80% |
| Q2 2025 | $44.0M | $60.3M | 9.53% | 9.14% | 5.04% |
| Q3 2025 | $46.7M | $58.0M | 8.79% | 8.46% | 5.20% |
| Q4 2025 | $50.6M | $60.6M | 9.08% | 7.77% | 4.91% |
| Q1 2026 | $51.0M | $60.1M | 8.52% | 8.64% | 5.23% |
| Q2 2026 | $52.1M | $59.2M | 7.12% | 7.81% | 4.85% |
Clinton Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Clinton 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 Clinton Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 304) · FFIEC NIC profile (RSSD 782548)