First Kentucky 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.65 percentage points higher than in Q1 2026, at 109.97%. First Kentucky Bank, Inc. ranks 95th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 71.14% (Q2 2026). First Kentucky Bank, Inc. reported 71.14% on loan-to-deposit ratio for Q2 2026, 9.70 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $361.5M |
| Net loans and leases | $356.6M |
| Loans held for sale | $0 |
| Loans to total assets | 61.74% |
| Loan-to-deposit ratio | 71.14% |
| Net loans to equity capital | 7.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.82% |
| Multifamily (5+ residential) | 6.65% |
| Commercial and industrial | 6.55% |
| Consumer | 9.84% |
| Credit cards | 0.00% |
| Farm | 10.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.21% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 109.97% |
| Construction concentration (Tier 1 capital + allowance) | 43.38% |
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 | 6.29% |
| Interest income on loans | $5.6M |
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 | $339.9M | $509.3M | 23.52% | 8.07% | 9.39% |
| Q4 2023 | $350.1M | $505.4M | 23.19% | 8.34% | 9.54% |
| Q1 2024 | $353.9M | $521.5M | 23.71% | 8.50% | 9.87% |
| Q2 2024 | $352.2M | $511.1M | 24.20% | 8.00% | 10.41% |
| Q3 2024 | $351.8M | $500.8M | 23.64% | 8.55% | 10.51% |
| Q4 2024 | $350.5M | $509.0M | 24.25% | 8.15% | 10.43% |
| Q1 2025 | $353.3M | $518.8M | 23.95% | 9.25% | 10.46% |
| Q2 2025 | $356.9M | $508.0M | 23.80% | 9.41% | 10.39% |
| Q3 2025 | $362.4M | $509.9M | 23.98% | 8.23% | 10.32% |
| Q4 2025 | $358.1M | $507.7M | 23.76% | 6.85% | 10.31% |
| Q1 2026 | $356.5M | $519.5M | 22.18% | 7.50% | 10.10% |
| Q2 2026 | $361.5M | $508.2M | 21.82% | 6.55% | 9.84% |
First Kentucky Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Kentucky 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 Kentucky Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21247) · FFIEC NIC profile (RSSD 263243)