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): 5.89 percentage points higher than in Q1 2026, at 80.56%. FNB Bank, Inc. ranks 18th of 41 West Virginia banks on loan-to-deposit ratio, in the upper half at 84.82% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. FNB Bank, Inc. sits 3.99 points higher, at 84.82% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $210.2M |
| Net loans and leases | $208.1M |
| Loans held for sale | $0 |
| Loans to total assets | 75.62% |
| Loan-to-deposit ratio | 84.82% |
| Net loans to equity capital | 8.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.62% |
| Multifamily (5+ residential) | 1.41% |
| Commercial and industrial | 3.86% |
| Consumer | 9.50% |
| Credit cards | 0.00% |
| Farm | 7.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.30% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 80.56% |
| Construction concentration (Tier 1 capital + allowance) | 16.00% |
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 | 6.42% |
| Interest income on loans | $3.3M |
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 | $202.2M | $218.4M | 19.47% | 5.80% | 8.46% |
| Q4 2023 | $199.9M | $220.1M | 18.82% | 5.18% | 8.21% |
| Q1 2024 | $198.6M | $224.8M | 19.43% | 4.89% | 8.43% |
| Q2 2024 | $195.1M | $223.0M | 19.56% | 4.31% | 8.47% |
| Q3 2024 | $196.0M | $221.8M | 19.74% | 4.83% | 8.79% |
| Q4 2024 | $196.4M | $224.4M | 20.19% | 4.97% | 8.74% |
| Q1 2025 | $198.0M | $231.7M | 19.82% | 4.16% | 8.70% |
| Q2 2025 | $203.9M | $230.5M | 19.65% | 4.00% | 8.79% |
| Q3 2025 | $207.1M | $235.8M | 20.12% | 4.21% | 8.82% |
| Q4 2025 | $207.5M | $241.6M | 19.96% | 4.26% | 8.44% |
| Q1 2026 | $206.8M | $241.8M | 19.72% | 4.28% | 8.41% |
| Q2 2026 | $210.2M | $247.8M | 19.62% | 3.86% | 9.50% |
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 6794) · FFIEC NIC profile (RSSD 969639)