Kentucky Farmers 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.
Cre concentration (tier 1 capital + allowance) dropped 2.34 percentage points in Q2 2026, from 83.47% to 81.13%. It was the largest change from Q1 2026 among the key lines here. Kentucky Farmers Bank Corporation has the 10th lowest loan-to-deposit ratio of the 120 banks headquartered in Kentucky, at 60.75% as of Q2 2026. Kentucky Farmers Bank Corporation reported 60.75% on loan-to-deposit ratio for Q2 2026, 20.09 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $167.7M |
| Net loans and leases | $166.1M |
| Loans held for sale | $0 |
| Loans to total assets | 51.07% |
| Loan-to-deposit ratio | 60.75% |
| Net loans to equity capital | 3.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.55% |
| Multifamily (5+ residential) | 6.39% |
| Commercial and industrial | 6.63% |
| Consumer | 5.60% |
| Credit cards | 0.00% |
| Farm | 0.05% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 3.69% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 81.13% |
| Construction concentration (Tier 1 capital + allowance) | 16.19% |
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 | 6.55% |
| Interest income on loans | $2.7M |
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 | $164.7M | $232.1M | 25.83% | 7.85% | 7.23% |
| Q4 2023 | $164.9M | $228.7M | 26.10% | 8.37% | 7.29% |
| Q1 2024 | $164.8M | $226.8M | 26.29% | 7.80% | 7.10% |
| Q2 2024 | $162.8M | $229.8M | 26.36% | 8.30% | 7.31% |
| Q3 2024 | $160.4M | $233.6M | 26.74% | 7.00% | 7.66% |
| Q4 2024 | $155.0M | $259.3M | 27.53% | 7.08% | 8.24% |
| Q1 2025 | $156.4M | $260.6M | 26.34% | 6.84% | 7.84% |
| Q2 2025 | $162.8M | $261.1M | 24.97% | 8.61% | 7.67% |
| Q3 2025 | $162.7M | $261.3M | 23.28% | 8.22% | 7.88% |
| Q4 2025 | $167.9M | $278.7M | 22.07% | 6.76% | 7.47% |
| Q1 2026 | $166.1M | $270.5M | 21.84% | 7.23% | 5.47% |
| Q2 2026 | $167.7M | $276.1M | 20.55% | 6.63% | 5.60% |
Kentucky Farmers Bank Corporation loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Kentucky Farmers 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 Kentucky Farmers Bank Corporation profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 267) · FFIEC NIC profile (RSSD 683814)