Farmers 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.
Loans held for sale dropped 37.4% in Q2 2026, from $1.3M to $791K. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Farmers Bank & Trust Company is 26th of 120 on loan-to-deposit ratio, 94.37% as of Q2 2026, above the middle of the field. Farmers Bank & Trust Company reported 94.37% on loan-to-deposit ratio for Q2 2026, 13.53 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $659.8M |
| Net loans and leases | $655.2M |
| Loans held for sale | $791K |
| Loans to total assets | 83.11% |
| Loan-to-deposit ratio | 94.37% |
| Net loans to equity capital | 9.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.08% |
| Multifamily (5+ residential) | 5.40% |
| Commercial and industrial | 6.14% |
| Consumer | 3.17% |
| Credit cards | 0.00% |
| Farm | 7.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 245.88% |
| Construction concentration (Tier 1 capital + allowance) | 98.34% |
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 | 6.61% |
| Interest income on loans | $10.8M |
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 | $534.3M | $546.4M | 25.28% | 8.45% | 2.73% |
| Q4 2023 | $560.9M | $633.3M | 23.68% | 8.52% | 2.62% |
| Q1 2024 | $578.5M | $622.8M | 24.30% | 8.94% | 2.47% |
| Q2 2024 | $585.2M | $604.0M | 25.01% | 9.22% | 2.47% |
| Q3 2024 | $594.2M | $578.9M | 24.11% | 8.72% | 2.40% |
| Q4 2024 | $599.1M | $589.2M | 21.35% | 8.40% | 2.33% |
| Q1 2025 | $582.4M | $645.4M | 21.18% | 8.90% | 2.33% |
| Q2 2025 | $592.0M | $639.9M | 20.43% | 8.74% | 3.09% |
| Q3 2025 | $613.3M | $631.2M | 20.45% | 8.07% | 3.20% |
| Q4 2025 | $642.9M | $629.0M | 20.83% | 7.84% | 2.98% |
| Q1 2026 | $646.4M | $700.9M | 20.90% | 6.83% | 2.92% |
| Q2 2026 | $659.8M | $699.2M | 21.08% | 6.14% | 3.17% |
Farmers Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers 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 Farmers Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12869) · FFIEC NIC profile (RSSD 262741)