Cumberland Valley National Bank & Trust Company: 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 2.62 percentage points in Q2 2026, from 62.05% to 64.67%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Cumberland Valley National Bank & Trust Company is 84th of 120 on loan-to-deposit ratio, 75.87% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Cumberland Valley National Bank & Trust Company sits 4.97 points lower, at 75.87% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $559.3M |
| Net loans and leases | $551.6M |
| Loans held for sale | $1.1M |
| Loans to total assets | 68.54% |
| Loan-to-deposit ratio | 75.87% |
| Net loans to equity capital | 7.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.13% |
| Multifamily (5+ residential) | 6.40% |
| Commercial and industrial | 9.53% |
| Consumer | 3.47% |
| Credit cards | 0.42% |
| Farm | 1.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.70% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 238.37% |
| Construction concentration (Tier 1 capital + allowance) | 64.67% |
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 | 6.60% |
| Interest income on loans | $9.2M |
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 | $486.4M | $653.6M | 36.33% | 13.88% | 4.16% |
| Q4 2023 | $500.6M | $661.1M | 37.50% | 13.44% | 4.20% |
| Q1 2024 | $503.7M | $662.9M | 37.27% | 13.31% | 4.28% |
| Q2 2024 | $504.4M | $660.1M | 37.92% | 12.67% | 4.55% |
| Q3 2024 | $531.5M | $667.6M | 38.51% | 12.05% | 4.77% |
| Q4 2024 | $534.5M | $716.7M | 38.33% | 11.68% | 4.61% |
| Q1 2025 | $542.5M | $716.5M | 37.54% | 12.40% | 4.35% |
| Q2 2025 | $560.4M | $720.6M | 36.69% | 12.32% | 4.28% |
| Q3 2025 | $564.0M | $720.2M | 35.73% | 12.53% | 4.07% |
| Q4 2025 | $562.9M | $737.0M | 36.22% | 10.68% | 3.80% |
| Q1 2026 | $562.4M | $754.5M | 37.75% | 9.96% | 3.54% |
| Q2 2026 | $559.3M | $737.2M | 37.13% | 9.53% | 3.47% |
Cumberland Valley National Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cumberland Valley National Bank & Trust Company, 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 Cumberland Valley National Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2691) · FFIEC NIC profile (RSSD 647218)