Franklin Bank & Trust Company: 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): 13.33 percentage points lower than in Q1 2026, at 230.70%. Among 120 Kentucky banks, Franklin Bank & Trust Company sits 10th from the top on loan-to-deposit ratio, 105.98% as of Q2 2026. Franklin Bank & Trust Company reported 105.98% on loan-to-deposit ratio for Q2 2026, 25.03 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $689.6M |
| Net loans and leases | $683.2M |
| Loans held for sale | $0 |
| Loans to total assets | 85.82% |
| Loan-to-deposit ratio | 105.98% |
| Net loans to equity capital | 6.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.58% |
| Multifamily (5+ residential) | 7.39% |
| Commercial and industrial | 15.06% |
| Consumer | 0.44% |
| Credit cards | 0.00% |
| Farm | 5.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 230.70% |
| Construction concentration (Tier 1 capital + allowance) | 79.60% |
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 | 6.52% |
| Interest income on loans | $11.1M |
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 | $644.5M | $646.7M | 27.82% | 21.42% | 1.03% |
| Q4 2023 | $664.1M | $631.7M | 27.41% | 21.95% | 1.02% |
| Q1 2024 | $651.8M | $674.7M | 27.21% | 21.30% | 0.95% |
| Q2 2024 | $639.7M | $619.2M | 28.96% | 20.14% | 0.86% |
| Q3 2024 | $634.3M | $609.5M | 27.48% | 19.54% | 0.84% |
| Q4 2024 | $652.6M | $606.3M | 27.14% | 18.69% | 0.81% |
| Q1 2025 | $640.2M | $648.9M | 26.99% | 18.27% | 0.79% |
| Q2 2025 | $639.1M | $631.7M | 28.38% | 17.70% | 0.77% |
| Q3 2025 | $661.8M | $659.2M | 27.77% | 18.63% | 0.68% |
| Q4 2025 | $698.9M | $641.6M | 28.52% | 18.26% | 0.49% |
| Q1 2026 | $688.8M | $659.8M | 30.06% | 15.74% | 0.49% |
| Q2 2026 | $689.6M | $650.7M | 31.58% | 15.06% | 0.44% |
Franklin Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Franklin Bank & Trust Company, 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 Franklin Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17937) · FFIEC NIC profile (RSSD 493844)