First United Bank and Trust Company, Inc.: 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.
Cre concentration (tier 1 capital + allowance) dropped 11.49 percentage points in Q2 2026, from 181.57% to 170.09%. It was the largest change from Q1 2026 among the key lines here. First United Bank and Trust Company, Inc. ranks 79th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 76.41% (Q2 2026). First United Bank and Trust Company, Inc. reported 76.41% on loan-to-deposit ratio for Q2 2026, 4.43 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $401.2M |
| Net loans and leases | $396.5M |
| Loans held for sale | $138K |
| Loans to total assets | 67.84% |
| Loan-to-deposit ratio | 76.41% |
| Net loans to equity capital | 10.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.39% |
| Multifamily (5+ residential) | 4.38% |
| Commercial and industrial | 16.21% |
| Consumer | 1.33% |
| Credit cards | 0.00% |
| Farm | 3.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.99% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 170.09% |
| Construction concentration (Tier 1 capital + allowance) | 37.27% |
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 | 7.01% |
| Interest income on loans | $7.1M |
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 | $356.4M | $488.5M | 25.48% | 15.27% | 2.41% |
| Q4 2023 | $365.5M | $503.6M | 25.00% | 15.43% | 2.23% |
| Q1 2024 | $367.0M | $500.1M | 24.52% | 16.41% | 2.11% |
| Q2 2024 | $374.6M | $515.4M | 24.88% | 16.66% | 2.01% |
| Q3 2024 | $382.6M | $512.4M | 24.79% | 17.43% | 1.84% |
| Q4 2024 | $385.2M | $533.7M | 24.95% | 17.44% | 1.73% |
| Q1 2025 | $390.1M | $541.9M | 25.91% | 17.19% | 1.56% |
| Q2 2025 | $400.1M | $536.0M | 25.68% | 17.52% | 1.54% |
| Q3 2025 | $401.4M | $527.3M | 25.54% | 17.32% | 1.49% |
| Q4 2025 | $404.9M | $544.8M | 25.27% | 16.83% | 1.55% |
| Q1 2026 | $405.2M | $540.6M | 25.42% | 16.60% | 1.33% |
| Q2 2026 | $401.2M | $525.0M | 25.39% | 16.21% | 1.33% |
First United Bank and Trust Company, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First United Bank and Trust Company, Inc., 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 United Bank and Trust Company, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34150) · FFIEC NIC profile (RSSD 2356091)