The First National Bank of Manchester: 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): 7.32 percentage points higher than in Q1 2026, at 205.74%. Within Kentucky, The First National Bank of Manchester is 81st of 120 on loan-to-deposit ratio, 76.25% as of Q2 2026, below the middle of the field. The First National Bank of Manchester reported 76.25% on loan-to-deposit ratio for Q2 2026, 4.58 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $157.4M |
| Net loans and leases | $155.2M |
| Loans held for sale | $0 |
| Loans to total assets | 68.39% |
| Loan-to-deposit ratio | 76.25% |
| Net loans to equity capital | 6.86% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.79% |
| Multifamily (5+ residential) | 4.37% |
| Commercial and industrial | 6.95% |
| Consumer | 4.35% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 205.74% |
| Construction concentration (Tier 1 capital + allowance) | 52.53% |
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 | 6.76% |
| Interest income on loans | $2.6M |
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 | $139.0M | $200.9M | 37.72% | 7.14% | 7.07% |
| Q4 2023 | $149.2M | $211.0M | 35.25% | 10.16% | 5.82% |
| Q1 2024 | $150.2M | $210.7M | 35.72% | 7.86% | 5.80% |
| Q2 2024 | $153.8M | $195.0M | 33.39% | 8.94% | 5.65% |
| Q3 2024 | $155.6M | $218.8M | 33.30% | 8.39% | 5.74% |
| Q4 2024 | $155.9M | $221.1M | 34.74% | 9.55% | 5.53% |
| Q1 2025 | $154.3M | $221.6M | 34.85% | 7.92% | 5.49% |
| Q2 2025 | $158.9M | $207.2M | 35.99% | 8.82% | 5.66% |
| Q3 2025 | $156.3M | $205.1M | 36.74% | 8.34% | 5.11% |
| Q4 2025 | $156.3M | $206.2M | 36.39% | 7.68% | 4.87% |
| Q1 2026 | $156.3M | $208.5M | 34.29% | 7.17% | 4.59% |
| Q2 2026 | $157.4M | $206.4M | 35.79% | 6.95% | 4.35% |
The First National Bank of Manchester 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 Manchester, 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 Manchester profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2708) · FFIEC NIC profile (RSSD 719610)