The Fayette County National Bank of Fayetteville: 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 1.64 percentage points in Q2 2026, from 52.91% to 54.55%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, The Fayette County National Bank of Fayetteville is 3rd from the bottom among 41 West Virginia banks, 54.55% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Fayette County National Bank of Fayetteville sits 26.29 points lower, at 54.55% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $73.5M |
| Net loans and leases | $72.7M |
| Loans held for sale | $0 |
| Loans to total assets | 46.51% |
| Loan-to-deposit ratio | 54.55% |
| Net loans to equity capital | 6.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.08% |
| Multifamily (5+ residential) | 3.47% |
| Commercial and industrial | 1.36% |
| Consumer | 4.52% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 82.02% |
| Construction concentration (Tier 1 capital + allowance) | 19.82% |
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 | 6.28% |
| Interest income on loans | $1.2M |
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 | $70.0M | $139.1M | 10.99% | 1.76% | 5.59% |
| Q4 2023 | $70.0M | $136.2M | 10.84% | 1.81% | 5.71% |
| Q1 2024 | $69.6M | $137.5M | 10.58% | 1.39% | 5.66% |
| Q2 2024 | $70.0M | $132.1M | 10.99% | 1.25% | 5.65% |
| Q3 2024 | $72.6M | $131.7M | 10.60% | 1.21% | 6.30% |
| Q4 2024 | $69.8M | $130.4M | 10.49% | 1.34% | 6.31% |
| Q1 2025 | $70.9M | $137.0M | 12.83% | 1.39% | 5.14% |
| Q2 2025 | $71.7M | $135.6M | 13.45% | 1.31% | 5.06% |
| Q3 2025 | $71.2M | $135.4M | 13.05% | 1.34% | 4.93% |
| Q4 2025 | $71.1M | $132.3M | 12.73% | 1.36% | 5.09% |
| Q1 2026 | $72.3M | $136.7M | 15.57% | 1.43% | 4.31% |
| Q2 2026 | $73.5M | $134.8M | 15.08% | 1.36% | 4.52% |
The Fayette County National Bank of Fayetteville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Fayette County National Bank of Fayetteville, 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 Fayette County National Bank of Fayetteville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6762) · FFIEC NIC profile (RSSD 488420)