FNB Bank, 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 8.90 percentage points higher than in Q1 2026, at 132.73%. Within Kentucky, FNB Bank, Inc. is 90th of 120 on loan-to-deposit ratio, 73.23% as of Q2 2026, below the middle of the field. FNB Bank, Inc. reported 73.23% on loan-to-deposit ratio for Q2 2026, 7.61 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $517.3M |
| Net loans and leases | $508.4M |
| Loans held for sale | $517K |
| Loans to total assets | 67.18% |
| Loan-to-deposit ratio | 73.23% |
| Net loans to equity capital | 8.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.63% |
| Multifamily (5+ residential) | 2.08% |
| Commercial and industrial | 12.42% |
| Consumer | 9.25% |
| Credit cards | 0.00% |
| Farm | 10.99% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.66% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 132.73% |
| Construction concentration (Tier 1 capital + allowance) | 39.02% |
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 | 6.46% |
| Interest income on loans | $8.3M |
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 | $451.9M | $592.8M | 26.67% | 13.15% | 12.28% |
| Q4 2023 | $471.2M | $624.2M | 25.30% | 14.13% | 12.68% |
| Q1 2024 | $474.7M | $627.4M | 25.50% | 13.10% | 13.02% |
| Q2 2024 | $477.1M | $607.4M | 25.11% | 13.24% | 12.66% |
| Q3 2024 | $477.8M | $602.8M | 26.41% | 13.18% | 12.65% |
| Q4 2024 | $482.9M | $636.9M | 26.41% | 13.46% | 11.87% |
| Q1 2025 | $479.9M | $651.3M | 26.70% | 13.74% | 11.23% |
| Q2 2025 | $490.2M | $662.2M | 26.80% | 14.45% | 10.56% |
| Q3 2025 | $500.4M | $666.1M | 27.68% | 13.64% | 10.55% |
| Q4 2025 | $511.5M | $687.2M | 27.93% | 13.15% | 10.01% |
| Q1 2026 | $505.2M | $702.2M | 27.82% | 12.43% | 9.82% |
| Q2 2026 | $517.3M | $706.4M | 27.63% | 12.42% | 9.25% |
FNB Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB Bank, 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 FNB Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2759) · FFIEC NIC profile (RSSD 400141)