Hometown Bank of Corbin 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.
Construction concentration (tier 1 capital + allowance) dropped 3.76 percentage points in Q2 2026, from 72.40% to 68.64%. It was the largest change from Q1 2026 among the key lines here. Hometown Bank of Corbin Inc. ranks 94th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 71.40% (Q2 2026). Hometown Bank of Corbin Inc. reported 71.40% on loan-to-deposit ratio for Q2 2026, 9.44 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $191.4M |
| Net loans and leases | $189.8M |
| Loans held for sale | $0 |
| Loans to total assets | 63.33% |
| Loan-to-deposit ratio | 71.40% |
| Net loans to equity capital | 9.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.34% |
| Multifamily (5+ residential) | 5.11% |
| Commercial and industrial | 6.95% |
| Consumer | 4.98% |
| Credit cards | 0.00% |
| Farm | 0.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.22% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 200.47% |
| Construction concentration (Tier 1 capital + allowance) | 68.64% |
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 | 6.32% |
| Interest income on loans | $2.9M |
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 | $160.8M | $241.5M | 22.81% | 9.31% | 5.19% |
| Q4 2023 | $163.8M | $235.6M | 22.51% | 9.05% | 5.24% |
| Q1 2024 | $166.0M | $247.5M | 25.68% | 8.91% | 5.29% |
| Q2 2024 | $172.2M | $245.3M | 26.60% | 8.79% | 5.22% |
| Q3 2024 | $170.7M | $268.2M | 25.65% | 8.56% | 4.93% |
| Q4 2024 | $173.1M | $269.1M | 24.75% | 8.51% | 4.88% |
| Q1 2025 | $173.7M | $268.7M | 25.58% | 8.13% | 4.48% |
| Q2 2025 | $172.5M | $280.5M | 26.21% | 8.54% | 4.66% |
| Q3 2025 | $175.9M | $265.6M | 27.06% | 7.74% | 4.95% |
| Q4 2025 | $184.4M | $259.7M | 26.52% | 7.22% | 5.06% |
| Q1 2026 | $184.6M | $265.0M | 26.64% | 7.47% | 5.12% |
| Q2 2026 | $191.4M | $268.1M | 25.34% | 6.95% | 4.98% |
Hometown Bank of Corbin Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hometown Bank of Corbin 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 Hometown Bank of Corbin Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35455) · FFIEC NIC profile (RSSD 2897633)