Farmers & Traders Bank of Campton: 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): 43.34 percentage points lower than in Q1 2026, at 173.55%. Farmers & Traders Bank of Campton ranks 93rd of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 72.21% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Farmers & Traders Bank of Campton sits 4.58 points higher, at 72.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $42.1M |
| Net loans and leases | $41.7M |
| Loans held for sale | $0 |
| Loans to total assets | 62.66% |
| Loan-to-deposit ratio | 72.21% |
| Net loans to equity capital | 9.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.48% |
| Multifamily (5+ residential) | 6.77% |
| Commercial and industrial | 11.30% |
| Consumer | 7.76% |
| Credit cards | 0.00% |
| Farm | 1.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 173.55% |
| Construction concentration (Tier 1 capital + allowance) | 85.39% |
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 | 6.62% |
| Interest income on loans | $706K |
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 | $30.8M | $60.9M | 6.07% | 25.34% | 6.42% |
| Q4 2023 | $32.8M | $61.6M | 16.62% | 6.44% | 7.27% |
| Q1 2024 | $34.6M | $58.8M | 13.65% | 10.25% | 6.80% |
| Q2 2024 | $35.0M | $60.2M | 13.13% | 12.95% | 7.70% |
| Q3 2024 | $35.2M | $58.2M | 13.79% | 12.04% | 7.35% |
| Q4 2024 | $37.0M | $56.9M | 12.98% | 12.18% | 7.31% |
| Q1 2025 | $37.6M | $57.1M | 11.65% | 12.28% | 8.09% |
| Q2 2025 | $37.3M | $56.8M | 10.48% | 12.57% | 8.30% |
| Q3 2025 | $39.3M | $59.7M | 10.42% | 11.11% | 7.88% |
| Q4 2025 | $40.7M | $55.0M | 10.41% | 9.91% | 7.83% |
| Q1 2026 | $43.1M | $55.0M | 9.67% | 10.07% | 7.90% |
| Q2 2026 | $42.1M | $58.4M | 8.48% | 11.30% | 7.76% |
Farmers & Traders Bank of Campton loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Traders Bank of Campton, 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 & Traders Bank of Campton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 288) · FFIEC NIC profile (RSSD 839817)