The First National Bank of Brooksville: 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): 3.25 percentage points lower than in Q1 2026, at 21.09%. The First National Bank of Brooksville ranks 106th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 64.04% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. The First National Bank of Brooksville sits 3.58 points lower, at 64.04% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $41.7M |
| Net loans and leases | $41.3M |
| Loans held for sale | $0 |
| Loans to total assets | 56.67% |
| Loan-to-deposit ratio | 64.04% |
| Net loans to equity capital | 5.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 2.31% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 2.25% |
| Consumer | 5.83% |
| Credit cards | 0.00% |
| Farm | 16.84% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 21.09% |
| Construction concentration (Tier 1 capital + allowance) | 15.83% |
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 | 6.60% |
| Interest income on loans | $682K |
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 | $38.4M | $67.2M | 2.55% | 2.73% | 4.89% |
| Q4 2023 | $38.2M | $67.8M | 1.85% | 3.52% | 5.08% |
| Q1 2024 | $37.6M | $67.0M | 2.35% | 3.55% | 5.23% |
| Q2 2024 | $38.7M | $67.4M | 2.43% | 3.62% | 5.43% |
| Q3 2024 | $40.4M | $63.8M | 2.70% | 3.30% | 5.50% |
| Q4 2024 | $40.8M | $63.9M | 2.69% | 3.32% | 5.28% |
| Q1 2025 | $41.1M | $64.3M | 2.63% | 3.02% | 5.21% |
| Q2 2025 | $40.9M | $62.4M | 2.63% | 2.26% | 5.50% |
| Q3 2025 | $41.9M | $61.9M | 4.82% | 2.41% | 5.13% |
| Q4 2025 | $41.9M | $64.2M | 4.76% | 1.79% | 5.28% |
| Q1 2026 | $40.9M | $65.8M | 2.42% | 2.34% | 5.92% |
| Q2 2026 | $41.7M | $65.2M | 2.31% | 2.25% | 5.83% |
The First National Bank of Brooksville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Brooksville, 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 First National Bank of Brooksville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2682) · FFIEC NIC profile (RSSD 798512)