The Farmers National Bank of Danville: 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 Loan-to-deposit ratio: 2.29 percentage points higher than in Q1 2026, at 94.67%. The Farmers National Bank of Danville ranks 25th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 94.67% (Q2 2026). The Farmers National Bank of Danville reported 94.67% on loan-to-deposit ratio for Q2 2026, 13.83 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $802.8M |
| Net loans and leases | $790.4M |
| Loans held for sale | $0 |
| Loans to total assets | 81.10% |
| Loan-to-deposit ratio | 94.67% |
| Net loans to equity capital | 8.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.57% |
| Multifamily (5+ residential) | 4.70% |
| Commercial and industrial | 7.20% |
| Consumer | 1.55% |
| Credit cards | 0.00% |
| Farm | 4.80% |
| Loans to depository institutions | 0.14% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 182.46% |
| Construction concentration (Tier 1 capital + allowance) | 31.62% |
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 | 6.30% |
| Interest income on loans | $12.5M |
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 | $632.8M | $818.7M | 28.54% | 9.78% | 2.41% |
| Q4 2023 | $645.1M | $877.6M | 28.37% | 9.67% | 2.34% |
| Q1 2024 | $662.4M | $922.5M | 28.26% | 9.26% | 2.12% |
| Q2 2024 | $682.1M | $858.6M | 27.67% | 8.56% | 1.83% |
| Q3 2024 | $701.9M | $882.6M | 28.97% | 8.50% | 1.64% |
| Q4 2024 | $719.2M | $879.1M | 29.32% | 7.86% | 1.52% |
| Q1 2025 | $735.8M | $889.4M | 29.47% | 7.90% | 1.44% |
| Q2 2025 | $763.4M | $908.5M | 28.03% | 8.05% | 1.25% |
| Q3 2025 | $770.9M | $891.0M | 28.44% | 7.98% | 1.19% |
| Q4 2025 | $777.4M | $888.8M | 28.50% | 7.72% | 1.45% |
| Q1 2026 | $796.3M | $862.0M | 28.25% | 7.37% | 1.39% |
| Q2 2026 | $802.8M | $848.0M | 27.57% | 7.20% | 1.55% |
The Farmers National Bank of Danville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers National Bank of Danville, 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 The Farmers National Bank of Danville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2740) · FFIEC NIC profile (RSSD 785147)