Jackson County Bank: 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.
Loans to total assets dropped 1.75 percentage points in Q2 2026, from 43.76% to 42.01%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Jackson County Bank is 105th of 120 on loan-to-deposit ratio, 65.03% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Jackson County Bank sits 15.52 points lower, at 65.03% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $73.9M |
| Net loans and leases | $71.9M |
| Loans held for sale | $0 |
| Loans to total assets | 42.01% |
| Loan-to-deposit ratio | 65.03% |
| Net loans to equity capital | 1.44% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.74% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 2.13% |
| Consumer | 15.91% |
| Credit cards | 0.00% |
| Farm | 32.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 6.24% |
| Construction concentration (Tier 1 capital + allowance) | 3.66% |
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 | 7.19% |
| 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 | $75.6M | $105.6M | 4.01% | 3.17% | 19.41% |
| Q4 2023 | $75.5M | $108.8M | 4.34% | 3.14% | 18.69% |
| Q1 2024 | $74.8M | $110.0M | 4.15% | 3.25% | 18.40% |
| Q2 2024 | $75.3M | $109.5M | 5.22% | 2.95% | 18.54% |
| Q3 2024 | $74.8M | $109.7M | 4.74% | 2.82% | 18.75% |
| Q4 2024 | $73.9M | $115.0M | 5.04% | 2.47% | 18.51% |
| Q1 2025 | $72.8M | $115.9M | 5.15% | 2.46% | 17.81% |
| Q2 2025 | $74.4M | $110.6M | 5.05% | 2.54% | 17.61% |
| Q3 2025 | $74.6M | $108.9M | 5.02% | 2.34% | 17.18% |
| Q4 2025 | $74.9M | $114.1M | 5.70% | 2.13% | 16.68% |
| Q1 2026 | $74.5M | $111.9M | 6.00% | 2.08% | 15.93% |
| Q2 2026 | $73.9M | $113.6M | 4.74% | 2.13% | 15.91% |
Jackson County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Jackson County Bank, 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 Jackson County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 291) · FFIEC NIC profile (RSSD 1016718)