The First National Bank of Russell Springs: 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): 9.13 percentage points higher than in Q1 2026, at 289.30%. The First National Bank of Russell Springs ranks 54th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 84.74% (Q2 2026). The First National Bank of Russell Springs reported 84.74% on loan-to-deposit ratio for Q2 2026, 3.90 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $346.6M |
| Net loans and leases | $343.3M |
| Loans held for sale | $0 |
| Loans to total assets | 72.94% |
| Loan-to-deposit ratio | 84.74% |
| Net loans to equity capital | 7.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.41% |
| Multifamily (5+ residential) | 4.96% |
| Commercial and industrial | 7.29% |
| Consumer | 1.64% |
| Credit cards | 0.00% |
| Farm | 8.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.48% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 289.30% |
| Construction concentration (Tier 1 capital + allowance) | 88.07% |
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 | 6.84% |
| Interest income on loans | $5.9M |
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 | $245.7M | $303.2M | 40.61% | 5.82% | 2.00% |
| Q4 2023 | $247.3M | $310.4M | 40.40% | 6.12% | 1.87% |
| Q1 2024 | $254.8M | $316.1M | 41.27% | 6.04% | 1.78% |
| Q2 2024 | $255.2M | $321.6M | 41.59% | 6.21% | 2.15% |
| Q3 2024 | $267.7M | $326.6M | 43.02% | 5.60% | 1.83% |
| Q4 2024 | $263.6M | $368.4M | 42.92% | 5.18% | 1.91% |
| Q1 2025 | $268.9M | $394.2M | 44.53% | 4.85% | 1.88% |
| Q2 2025 | $285.6M | $376.9M | 44.91% | 6.80% | 1.80% |
| Q3 2025 | $313.4M | $395.9M | 42.33% | 6.20% | 1.71% |
| Q4 2025 | $316.6M | $421.5M | 44.70% | 7.17% | 1.78% |
| Q1 2026 | $341.1M | $425.2M | 44.43% | 6.93% | 1.67% |
| Q2 2026 | $346.6M | $409.0M | 43.41% | 7.29% | 1.64% |
The First National Bank of Russell Springs 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 Russell Springs, 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 Russell Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2767) · FFIEC NIC profile (RSSD 173641)