Kingston National 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.
Construction concentration (tier 1 capital + allowance) climbed 2.43 percentage points in Q2 2026, from 12.96% to 15.39%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Kingston National Bank is 102nd of 156 on loan-to-deposit ratio, 75.27% as of Q2 2026, below the middle of the field. Kingston National Bank reported 75.27% on loan-to-deposit ratio for Q2 2026, 5.57 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $403.6M |
| Net loans and leases | $399.5M |
| Loans held for sale | $0 |
| Loans to total assets | 68.84% |
| Loan-to-deposit ratio | 75.27% |
| Net loans to equity capital | 8.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.15% |
| Multifamily (5+ residential) | 3.45% |
| Commercial and industrial | 9.22% |
| Consumer | 1.77% |
| Credit cards | 0.26% |
| Farm | 18.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.47% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 74.27% |
| Construction concentration (Tier 1 capital + allowance) | 15.39% |
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 | 5.72% |
| Interest income on loans | $5.7M |
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 | $369.3M | $482.1M | 12.08% | 8.07% | 2.85% |
| Q4 2023 | $384.6M | $488.4M | 12.01% | 7.70% | 2.49% |
| Q1 2024 | $375.3M | $500.6M | 11.42% | 7.71% | 2.55% |
| Q2 2024 | $389.3M | $510.3M | 11.74% | 8.46% | 2.57% |
| Q3 2024 | $393.2M | $524.6M | 11.95% | 8.37% | 2.34% |
| Q4 2024 | $410.8M | $525.6M | 11.51% | 9.41% | 2.14% |
| Q1 2025 | $393.8M | $515.0M | 12.07% | 9.54% | 2.06% |
| Q2 2025 | $403.3M | $522.9M | 12.16% | 10.12% | 1.98% |
| Q3 2025 | $410.1M | $529.9M | 12.27% | 9.96% | 1.86% |
| Q4 2025 | $419.9M | $529.8M | 11.85% | 10.20% | 1.80% |
| Q1 2026 | $401.1M | $534.0M | 14.61% | 9.06% | 1.75% |
| Q2 2026 | $403.6M | $536.2M | 15.15% | 9.22% | 1.77% |
Kingston National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Kingston National 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 Kingston National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6616) · FFIEC NIC profile (RSSD 966722)