First Federal Savings Bank of Kentucky: 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): 2.06 percentage points lower than in Q1 2026, at 97.52%. Among 120 Kentucky banks, First Federal Savings Bank of Kentucky sits 4th from the top on loan-to-deposit ratio, 119.89% as of Q2 2026. First Federal Savings Bank of Kentucky reported 119.89% on loan-to-deposit ratio for Q2 2026, 39.06 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $249.2M |
| Net loans and leases | $247.4M |
| Loans held for sale | $1.2M |
| Loans to total assets | 88.15% |
| Loan-to-deposit ratio | 119.89% |
| Net loans to equity capital | 8.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.56% |
| Multifamily (5+ residential) | 3.78% |
| Commercial and industrial | 0.20% |
| Consumer | 0.30% |
| Credit cards | 0.00% |
| Farm | 0.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 97.52% |
| Construction concentration (Tier 1 capital + allowance) | 48.91% |
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 | 6.27% |
| Interest income on loans | $3.9M |
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 | $239.5M | $197.3M | 9.30% | 0.44% | 0.32% |
| Q4 2023 | $246.9M | $189.5M | 9.32% | 0.45% | 0.33% |
| Q1 2024 | $250.0M | $201.3M | 9.17% | 0.35% | 0.32% |
| Q2 2024 | $253.6M | $204.4M | 9.94% | 0.28% | 0.31% |
| Q3 2024 | $256.9M | $202.3M | 9.82% | 0.24% | 0.34% |
| Q4 2024 | $252.5M | $209.7M | 9.25% | 0.31% | 0.39% |
| Q1 2025 | $254.4M | $223.6M | 9.19% | 0.25% | 0.39% |
| Q2 2025 | $252.6M | $219.4M | 9.03% | 0.27% | 0.41% |
| Q3 2025 | $252.2M | $221.7M | 8.89% | 0.25% | 0.40% |
| Q4 2025 | $253.6M | $214.0M | 9.25% | 0.31% | 0.33% |
| Q1 2026 | $252.7M | $213.8M | 10.29% | 0.24% | 0.32% |
| Q2 2026 | $249.2M | $207.8M | 9.56% | 0.20% | 0.30% |
First Federal Savings Bank of Kentucky loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings Bank of Kentucky, 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 Federal Savings Bank of Kentucky profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29937) · FFIEC NIC profile (RSSD 741974)