Hearthside Bank Corporation: 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): 9.20 percentage points lower than in Q1 2026, at 146.87%. Hearthside Bank Corporation ranks 61st of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 83.39% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Hearthside Bank Corporation sits 2.56 points higher, at 83.39% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $456.9M |
| Net loans and leases | $451.3M |
| Loans held for sale | $82K |
| Loans to total assets | 75.04% |
| Loan-to-deposit ratio | 83.39% |
| Net loans to equity capital | 8.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.54% |
| Multifamily (5+ residential) | 3.90% |
| Commercial and industrial | 4.44% |
| Consumer | 3.16% |
| Credit cards | 0.00% |
| Farm | 0.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.25% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 146.87% |
| Construction concentration (Tier 1 capital + allowance) | 88.52% |
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 | $7.3M |
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 | $375.5M | $444.1M | 23.41% | 5.51% | 3.47% |
| Q4 2023 | $383.0M | $451.3M | 23.16% | 5.23% | 3.32% |
| Q1 2024 | $393.2M | $460.3M | 22.43% | 4.85% | 3.67% |
| Q2 2024 | $410.5M | $471.2M | 21.57% | 4.96% | 3.39% |
| Q3 2024 | $421.5M | $477.2M | 20.48% | 4.84% | 3.32% |
| Q4 2024 | $434.6M | $485.8M | 19.76% | 5.39% | 3.13% |
| Q1 2025 | $435.9M | $498.7M | 20.92% | 4.37% | 3.05% |
| Q2 2025 | $429.6M | $499.2M | 19.09% | 4.27% | 3.24% |
| Q3 2025 | $437.0M | $516.9M | 19.02% | 4.09% | 3.00% |
| Q4 2025 | $437.7M | $512.9M | 18.47% | 4.72% | 2.74% |
| Q1 2026 | $453.4M | $530.1M | 17.93% | 4.46% | 3.21% |
| Q2 2026 | $456.9M | $547.9M | 17.54% | 4.44% | 3.16% |
Hearthside Bank Corporation loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hearthside Bank Corporation, 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 Hearthside Bank Corporation profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31236) · FFIEC NIC profile (RSSD 902672)