Community Financial Services 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 5.52 percentage points lower than in Q1 2026, at 83.02%. Community Financial Services Bank ranks 71st of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 79.77% (Q2 2026). Community Financial Services Bank reported 79.77% on loan-to-deposit ratio for Q2 2026, 8.43 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $978.5M |
| Net loans and leases | $965.6M |
| Loans held for sale | $2.1M |
| Loans to total assets | 71.34% |
| Loan-to-deposit ratio | 79.77% |
| Net loans to equity capital | 8.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.43% |
| Multifamily (5+ residential) | 3.22% |
| Commercial and industrial | 12.07% |
| Consumer | 20.38% |
| Credit cards | 0.00% |
| Farm | 5.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.85% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 83.02% |
| Construction concentration (Tier 1 capital + allowance) | 21.72% |
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 | 6.47% |
| Interest income on loans | $15.6M |
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 | $967.9M | $1.21B | 19.10% | 8.43% | 34.73% |
| Q4 2023 | $962.2M | $1.24B | 19.40% | 8.89% | 33.48% |
| Q1 2024 | $983.3M | $1.25B | 18.70% | 8.95% | 33.96% |
| Q2 2024 | $970.7M | $1.24B | 18.24% | 8.74% | 33.37% |
| Q3 2024 | $972.8M | $1.27B | 18.64% | 9.46% | 31.28% |
| Q4 2024 | $970.8M | $1.31B | 18.17% | 9.18% | 31.46% |
| Q1 2025 | $979.7M | $1.26B | 18.43% | 9.63% | 29.71% |
| Q2 2025 | $986.8M | $1.25B | 18.53% | 9.91% | 27.80% |
| Q3 2025 | $983.1M | $1.26B | 18.10% | 9.39% | 25.92% |
| Q4 2025 | $968.3M | $1.27B | 18.49% | 10.54% | 23.34% |
| Q1 2026 | $973.3M | $1.24B | 18.98% | 10.92% | 21.98% |
| Q2 2026 | $978.5M | $1.23B | 19.43% | 12.07% | 20.38% |
Community Financial Services Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Financial Services 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 Community Financial Services Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 287) · FFIEC NIC profile (RSSD 698144)