Lewisburg Banking Company: 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 10.24 percentage points in Q2 2026, from 114.95% to 104.70%. It was the largest change from Q1 2026 among the key lines here. Lewisburg Banking Company ranks 77th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 77.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Lewisburg Banking Company sits 3.13 points lower, at 77.71% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $163.3M |
| Net loans and leases | $161.5M |
| Loans held for sale | $0 |
| Loans to total assets | 66.36% |
| Loan-to-deposit ratio | 77.71% |
| Net loans to equity capital | 8.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.16% |
| Multifamily (5+ residential) | 1.96% |
| Commercial and industrial | 4.49% |
| Consumer | 4.56% |
| Credit cards | 0.00% |
| Farm | 11.46% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.58% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 104.70% |
| Construction concentration (Tier 1 capital + allowance) | 49.04% |
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 | 6.51% |
| Interest income on loans | $2.6M |
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 | $119.8M | $151.3M | 12.44% | 3.85% | 7.12% |
| Q4 2023 | $125.9M | $153.8M | 13.27% | 4.28% | 6.93% |
| Q1 2024 | $127.3M | $152.5M | 11.70% | 4.71% | 6.86% |
| Q2 2024 | $129.7M | $157.0M | 12.37% | 4.59% | 6.73% |
| Q3 2024 | $132.2M | $161.4M | 11.24% | 4.41% | 6.71% |
| Q4 2024 | $137.0M | $163.5M | 11.33% | 4.88% | 6.47% |
| Q1 2025 | $138.7M | $173.6M | 11.60% | 4.67% | 6.09% |
| Q2 2025 | $148.2M | $175.0M | 12.16% | 4.80% | 5.75% |
| Q3 2025 | $153.1M | $177.6M | 11.98% | 5.43% | 5.61% |
| Q4 2025 | $160.8M | $177.6M | 11.63% | 5.34% | 4.98% |
| Q1 2026 | $160.5M | $189.5M | 11.67% | 4.38% | 4.79% |
| Q2 2026 | $163.3M | $210.1M | 11.16% | 4.49% | 4.56% |
Lewisburg Banking Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Lewisburg Banking Company, 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 Lewisburg Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 297) · FFIEC NIC profile (RSSD 580847)