Commercial 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.
Cre concentration (tier 1 capital + allowance) dropped 13.51 percentage points in Q2 2026, from 114.39% to 100.88%. It was the largest change from Q1 2026 among the key lines here. Commercial Bank ranks 62nd of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 82.67% (Q2 2026). At 82.67%, Commercial Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $150.0M |
| Net loans and leases | $148.5M |
| Loans held for sale | $0 |
| Loans to total assets | 69.38% |
| Loan-to-deposit ratio | 82.67% |
| Net loans to equity capital | 7.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.10% |
| Multifamily (5+ residential) | 4.93% |
| Commercial and industrial | 3.90% |
| Consumer | 10.24% |
| Credit cards | 0.00% |
| Farm | 1.90% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 100.88% |
| Construction concentration (Tier 1 capital + allowance) | 19.92% |
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 | $2.6M |
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 | $120.5M | $163.7M | 16.96% | 3.04% | 12.10% |
| Q4 2023 | $124.2M | $167.7M | 17.04% | 2.95% | 12.43% |
| Q1 2024 | $128.0M | $162.4M | 16.49% | 3.24% | 12.46% |
| Q2 2024 | $131.8M | $173.8M | 16.75% | 3.09% | 12.08% |
| Q3 2024 | $132.8M | $174.1M | 18.27% | 3.06% | 11.38% |
| Q4 2024 | $135.1M | $170.7M | 17.72% | 3.43% | 11.80% |
| Q1 2025 | $137.1M | $171.9M | 17.62% | 3.42% | 11.90% |
| Q2 2025 | $141.0M | $178.4M | 16.95% | 3.56% | 11.65% |
| Q3 2025 | $152.0M | $175.9M | 17.67% | 3.42% | 10.59% |
| Q4 2025 | $152.5M | $180.0M | 18.07% | 3.05% | 10.73% |
| Q1 2026 | $153.8M | $182.0M | 18.38% | 3.70% | 10.33% |
| Q2 2026 | $150.0M | $181.4M | 17.10% | 3.90% | 10.24% |
Commercial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial 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 Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9310) · FFIEC NIC profile (RSSD 358112)