Hyden Citizens 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 Loan-to-deposit ratio: 4.09 percentage points lower than in Q1 2026, at 60.80%. On loan-to-deposit ratio, Hyden Citizens Bank, Inc is 11th from the bottom among 120 Kentucky banks, 60.80% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Hyden Citizens Bank, Inc sits 20.03 points lower, at 60.80% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $82.0M |
| Net loans and leases | $81.2M |
| Loans held for sale | $0 |
| Loans to total assets | 55.16% |
| Loan-to-deposit ratio | 60.80% |
| Net loans to equity capital | 8.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.85% |
| Multifamily (5+ residential) | 9.91% |
| Commercial and industrial | 5.11% |
| Consumer | 6.10% |
| Credit cards | 0.00% |
| Farm | 0.32% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.67% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 199.80% |
| Construction concentration (Tier 1 capital + allowance) | 103.05% |
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 | 6.31% |
| Interest income on loans | $1.3M |
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 | $74.1M | $129.4M | 16.51% | 11.48% | 5.45% |
| Q4 2023 | $79.4M | $130.2M | 15.32% | 9.10% | 4.97% |
| Q1 2024 | $79.7M | $129.9M | 14.81% | 9.16% | 5.04% |
| Q2 2024 | $78.9M | $129.8M | 16.52% | 9.14% | 5.28% |
| Q3 2024 | $82.8M | $134.6M | 15.24% | 9.23% | 5.33% |
| Q4 2024 | $83.6M | $134.4M | 15.05% | 7.85% | 5.41% |
| Q1 2025 | $84.1M | $131.6M | 14.44% | 7.58% | 5.33% |
| Q2 2025 | $80.3M | $132.3M | 13.90% | 6.39% | 5.68% |
| Q3 2025 | $80.8M | $129.2M | 13.58% | 6.50% | 6.00% |
| Q4 2025 | $82.9M | $128.3M | 14.31% | 5.10% | 5.53% |
| Q1 2026 | $83.3M | $128.3M | 14.25% | 6.68% | 5.82% |
| Q2 2026 | $82.0M | $134.8M | 12.85% | 5.11% | 6.10% |
Hyden Citizens Bank, Inc loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Hyden Citizens 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 Hyden Citizens Bank, Inc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 281) · FFIEC NIC profile (RSSD 211114)