The First National Bank of Grayson: 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 Construction concentration (Tier 1 capital + allowance): 2.27 percentage points higher than in Q1 2026, at 46.87%. The First National Bank of Grayson ranks 88th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 73.70% (Q2 2026). The First National Bank of Grayson reported 73.70% on loan-to-deposit ratio for Q2 2026, 7.14 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $239.9M |
| Net loans and leases | $237.2M |
| Loans held for sale | $0 |
| Loans to total assets | 64.52% |
| Loan-to-deposit ratio | 73.70% |
| Net loans to equity capital | 5.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.88% |
| Multifamily (5+ residential) | 3.04% |
| Commercial and industrial | 8.33% |
| Consumer | 13.34% |
| Credit cards | 0.00% |
| Farm | 2.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 81.96% |
| Construction concentration (Tier 1 capital + allowance) | 46.87% |
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 | 7.04% |
| Interest income on loans | $4.1M |
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 | $197.5M | $284.0M | 23.27% | 7.32% | 17.14% |
| Q4 2023 | $196.7M | $285.8M | 22.87% | 7.37% | 17.23% |
| Q1 2024 | $202.8M | $286.8M | 22.98% | 7.12% | 16.58% |
| Q2 2024 | $203.1M | $290.3M | 22.11% | 7.33% | 17.09% |
| Q3 2024 | $205.3M | $325.0M | 22.61% | 7.37% | 17.26% |
| Q4 2024 | $210.5M | $320.9M | 23.24% | 7.52% | 16.61% |
| Q1 2025 | $215.7M | $328.1M | 23.28% | 7.99% | 15.91% |
| Q2 2025 | $218.6M | $318.2M | 23.84% | 7.82% | 15.74% |
| Q3 2025 | $221.5M | $316.5M | 23.80% | 7.80% | 15.29% |
| Q4 2025 | $226.8M | $316.0M | 23.58% | 7.52% | 14.80% |
| Q1 2026 | $229.8M | $319.0M | 24.50% | 7.81% | 14.05% |
| Q2 2026 | $239.9M | $325.5M | 22.88% | 8.33% | 13.34% |
The First National Bank of Grayson 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 Grayson, 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 Grayson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2695) · FFIEC NIC profile (RSSD 610913)