First State Bank: 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.
Construction concentration (Tier 1 capital + allowance) dropped 8.69 percentage points in Q2 2026, from 104.20% to 95.51%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, First State Bank is 65th of 120 on loan-to-deposit ratio, 81.42% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; First State Bank reported 81.42% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $288.4M |
| Net loans and leases | $287.7M |
| Loans held for sale | $0 |
| Loans to total assets | 71.75% |
| Loan-to-deposit ratio | 81.42% |
| Net loans to equity capital | 6.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.64% |
| Multifamily (5+ residential) | 4.35% |
| Commercial and industrial | 12.62% |
| Consumer | 4.26% |
| Credit cards | 0.47% |
| Farm | 5.38% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.26% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 214.89% |
| Construction concentration (Tier 1 capital + allowance) | 95.51% |
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 | 6.67% |
| Interest income on loans | $4.8M |
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 | $197.7M | $256.5M | 18.81% | 7.24% | 5.82% |
| Q4 2023 | $205.2M | $262.8M | 18.35% | 6.99% | 5.79% |
| Q1 2024 | $211.0M | $267.1M | 16.91% | 8.30% | 5.52% |
| Q2 2024 | $230.9M | $272.6M | 15.20% | 14.74% | 5.19% |
| Q3 2024 | $247.5M | $269.6M | 16.06% | 16.25% | 4.73% |
| Q4 2024 | $259.2M | $289.7M | 15.14% | 15.73% | 5.08% |
| Q1 2025 | $270.8M | $297.5M | 14.25% | 16.35% | 4.70% |
| Q2 2025 | $271.8M | $298.0M | 16.12% | 14.49% | 4.64% |
| Q3 2025 | $274.0M | $301.1M | 17.98% | 13.93% | 4.65% |
| Q4 2025 | $284.7M | $315.0M | 18.18% | 13.50% | 4.55% |
| Q1 2026 | $287.3M | $365.5M | 17.87% | 12.62% | 4.35% |
| Q2 2026 | $288.4M | $354.3M | 17.64% | 12.62% | 4.26% |
First State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First State Bank, 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12149) · FFIEC NIC profile (RSSD 565143)