Hart County Bank and 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): 9.15 percentage points higher than in Q1 2026, at 70.36%. Among 120 Kentucky banks, Hart County Bank and Trust Company sits 5th from the top on loan-to-deposit ratio, 119.01% as of Q2 2026. Hart County Bank and Trust Company's loan-to-deposit ratio of 119.01% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 51.38 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $19.2M |
| Net loans and leases | $18.2M |
| Loans held for sale | $0 |
| Loans to total assets | 79.42% |
| Loan-to-deposit ratio | 119.01% |
| Net loans to equity capital | 2.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.82% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 52.18% |
| Consumer | 0.54% |
| Credit cards | 0.00% |
| Farm | 0.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 70.36% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 5.68% |
| Interest income on loans | $273K |
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 | $19.4M | $20.1M | 33.75% | 62.30% | 1.20% |
| Q4 2023 | $18.6M | $19.0M | 34.79% | 61.36% | 1.21% |
| Q1 2024 | $17.7M | $17.8M | 35.16% | 61.57% | 0.55% |
| Q2 2024 | $17.4M | $17.9M | 35.37% | 61.51% | 0.43% |
| Q3 2024 | $17.1M | $16.8M | 35.66% | 61.12% | 0.57% |
| Q4 2024 | $16.7M | $16.8M | 31.42% | 65.60% | 0.67% |
| Q1 2025 | $17.1M | $17.9M | 33.68% | 63.46% | 0.51% |
| Q2 2025 | $16.5M | $16.6M | 41.81% | 55.47% | 0.55% |
| Q3 2025 | $17.4M | $16.3M | 45.30% | 52.15% | 0.59% |
| Q4 2025 | $18.9M | $15.6M | 42.67% | 54.91% | 0.64% |
| Q1 2026 | $18.4M | $16.1M | 42.29% | 55.44% | 0.65% |
| Q2 2026 | $19.2M | $16.1M | 45.82% | 52.18% | 0.54% |
Hart County Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hart County Bank and 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 Hart County Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10145) · FFIEC NIC profile (RSSD 456344)