First Community Bank of the Heartland, Inc.: 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: 3.98 percentage points higher than in Q1 2026, at 91.66%. First Community Bank of the Heartland, Inc. ranks 34th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 91.66% (Q2 2026). First Community Bank of the Heartland, Inc. reported 91.66% on loan-to-deposit ratio for Q2 2026, 10.82 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $409.1M |
| Net loans and leases | $405.7M |
| Loans held for sale | $199K |
| Loans to total assets | 80.85% |
| Loan-to-deposit ratio | 91.66% |
| Net loans to equity capital | 10.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.91% |
| Multifamily (5+ residential) | 0.65% |
| Commercial and industrial | 4.96% |
| Consumer | 2.91% |
| Credit cards | 0.00% |
| Farm | 38.89% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 64.48% |
| Construction concentration (Tier 1 capital + allowance) | 23.69% |
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 | 6.86% |
| Interest income on loans | $6.9M |
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 | $347.0M | $370.5M | 10.77% | 5.56% | 4.31% |
| Q4 2023 | $356.3M | $369.2M | 10.78% | 5.74% | 4.12% |
| Q1 2024 | $358.5M | $386.6M | 10.96% | 5.74% | 3.93% |
| Q2 2024 | $365.5M | $406.6M | 11.15% | 5.64% | 3.89% |
| Q3 2024 | $373.4M | $406.2M | 10.94% | 5.17% | 3.85% |
| Q4 2024 | $377.4M | $423.9M | 10.86% | 5.54% | 3.85% |
| Q1 2025 | $369.0M | $423.6M | 10.84% | 5.68% | 3.62% |
| Q2 2025 | $378.5M | $436.4M | 10.80% | 5.49% | 3.57% |
| Q3 2025 | $386.0M | $429.8M | 10.92% | 5.22% | 3.41% |
| Q4 2025 | $391.0M | $438.2M | 10.72% | 5.18% | 3.27% |
| Q1 2026 | $391.7M | $446.8M | 11.76% | 5.18% | 3.17% |
| Q2 2026 | $409.1M | $446.3M | 11.91% | 4.96% | 2.91% |
First Community Bank of the Heartland, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Community Bank of the Heartland, Inc., 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 First Community Bank of the Heartland, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14735) · FFIEC NIC profile (RSSD 837149)