Commonwealth Community Bank, 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.02 percentage points higher than in Q1 2026, at 38.68%. Commonwealth Community Bank, Inc. has the 3rd lowest loan-to-deposit ratio of the 120 banks headquartered in Kentucky, at 41.18% as of Q2 2026. Commonwealth Community Bank, Inc. reported 41.18% on loan-to-deposit ratio for Q2 2026, 39.66 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $55.5M |
| Net loans and leases | $54.8M |
| Loans held for sale | $0 |
| Loans to total assets | 35.19% |
| Loan-to-deposit ratio | 41.18% |
| Net loans to equity capital | 2.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.58% |
| Multifamily (5+ residential) | 5.06% |
| Commercial and industrial | 12.40% |
| Consumer | 10.38% |
| Credit cards | 0.00% |
| Farm | 1.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.02% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 38.68% |
| Construction concentration (Tier 1 capital + allowance) | 6.32% |
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 | $827K |
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 | $45.1M | $128.1M | 10.16% | 4.56% | 13.06% |
| Q4 2023 | $46.9M | $130.3M | 10.27% | 5.00% | 12.66% |
| Q1 2024 | $47.2M | $131.7M | 10.36% | 5.69% | 12.96% |
| Q2 2024 | $49.3M | $128.4M | 10.32% | 7.81% | 12.85% |
| Q3 2024 | $50.7M | $124.1M | 10.58% | 8.99% | 12.55% |
| Q4 2024 | $49.8M | $125.7M | 9.89% | 6.70% | 12.37% |
| Q1 2025 | $50.8M | $129.7M | 16.27% | 7.17% | 11.43% |
| Q2 2025 | $51.5M | $128.1M | 16.32% | 7.55% | 11.61% |
| Q3 2025 | $52.2M | $130.1M | 17.26% | 7.64% | 11.63% |
| Q4 2025 | $52.8M | $130.7M | 17.26% | 7.92% | 11.85% |
| Q1 2026 | $54.6M | $136.3M | 16.71% | 11.28% | 11.12% |
| Q2 2026 | $55.5M | $134.8M | 16.58% | 12.40% | 10.38% |
Commonwealth Community Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commonwealth Community Bank, 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 Commonwealth Community Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8126) · FFIEC NIC profile (RSSD 541642)