First & Farmers National Bank, 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.
Loan-to-deposit ratio dropped 2.74 percentage points in Q2 2026, from 81.25% to 78.51%. It was the largest change from Q1 2026 among the key lines here. First & Farmers National Bank, Inc. ranks 75th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 78.51% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; First & Farmers National Bank, Inc. reported 78.51% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $495.1M |
| Net loans and leases | $487.5M |
| Loans held for sale | $0 |
| Loans to total assets | 69.33% |
| Loan-to-deposit ratio | 78.51% |
| Net loans to equity capital | 6.22% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.72% |
| Multifamily (5+ residential) | 5.83% |
| Commercial and industrial | 3.41% |
| Consumer | 4.16% |
| Credit cards | 0.00% |
| Farm | 7.12% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 80.25% |
| Construction concentration (Tier 1 capital + allowance) | 30.33% |
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 | $7.7M |
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 | $431.4M | $562.5M | 21.01% | 4.09% | 4.48% |
| Q4 2023 | $443.0M | $559.4M | 20.09% | 4.12% | 4.45% |
| Q1 2024 | $448.8M | $581.9M | 18.95% | 4.38% | 4.56% |
| Q2 2024 | $460.6M | $577.1M | 18.45% | 4.23% | 4.59% |
| Q3 2024 | $463.3M | $561.1M | 17.33% | 4.30% | 4.63% |
| Q4 2024 | $471.8M | $550.8M | 16.68% | 4.16% | 4.60% |
| Q1 2025 | $468.3M | $560.3M | 17.22% | 3.41% | 4.65% |
| Q2 2025 | $467.2M | $556.0M | 16.26% | 3.18% | 4.57% |
| Q3 2025 | $473.8M | $561.2M | 16.28% | 3.15% | 4.44% |
| Q4 2025 | $481.6M | $577.6M | 16.70% | 3.13% | 4.35% |
| Q1 2026 | $480.6M | $591.5M | 16.98% | 3.07% | 4.33% |
| Q2 2026 | $495.1M | $630.7M | 15.72% | 3.41% | 4.16% |
First & Farmers National Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First & Farmers National Bank, 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 & Farmers National Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2738) · FFIEC NIC profile (RSSD 721949)