The Farmers National Bank of Lebanon: 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.
Loan-to-deposit ratio climbed 3.32 percentage points in Q2 2026, from 76.22% to 79.54%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, The Farmers National Bank of Lebanon is 72nd of 120 on loan-to-deposit ratio, 79.54% 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; The Farmers National Bank of Lebanon reported 79.54% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $115.8M |
| Net loans and leases | $114.7M |
| Loans held for sale | $0 |
| Loans to total assets | 71.01% |
| Loan-to-deposit ratio | 79.54% |
| Net loans to equity capital | 7.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.82% |
| Multifamily (5+ residential) | 9.44% |
| Commercial and industrial | 6.21% |
| Consumer | 6.04% |
| Credit cards | 0.00% |
| Farm | 5.97% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.55% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 197.84% |
| Construction concentration (Tier 1 capital + allowance) | 38.68% |
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 | 6.77% |
| Interest income on loans | $1.8M |
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 | $72.2M | $114.7M | 30.04% | 13.69% | 7.46% |
| Q4 2023 | $75.2M | $112.8M | 30.52% | 13.04% | 7.32% |
| Q1 2024 | $78.1M | $119.4M | 30.47% | 12.41% | 7.37% |
| Q2 2024 | $81.2M | $115.6M | 31.73% | 10.66% | 7.34% |
| Q3 2024 | $81.3M | $121.5M | 32.73% | 10.01% | 7.06% |
| Q4 2024 | $84.5M | $120.3M | 31.57% | 9.58% | 7.03% |
| Q1 2025 | $86.1M | $126.2M | 30.39% | 9.27% | 7.27% |
| Q2 2025 | $85.7M | $126.7M | 29.98% | 9.30% | 7.25% |
| Q3 2025 | $90.8M | $127.8M | 29.39% | 8.44% | 7.15% |
| Q4 2025 | $103.8M | $130.7M | 28.39% | 7.24% | 6.17% |
| Q1 2026 | $110.9M | $145.6M | 27.18% | 6.59% | 6.11% |
| Q2 2026 | $115.8M | $145.5M | 25.82% | 6.21% | 6.04% |
The Farmers National Bank of Lebanon 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 Lebanon, 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 Lebanon profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2754) · FFIEC NIC profile (RSSD 575348)