The Lincoln National Bank of Hodgenville: 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 Construction concentration (Tier 1 capital + allowance): 1.94 percentage points higher than in Q1 2026, at 28.06%. The Lincoln National Bank of Hodgenville ranks 24th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 94.95% (Q2 2026). The Lincoln National Bank of Hodgenville reported 94.95% on loan-to-deposit ratio for Q2 2026, 14.11 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $358.7M |
| Net loans and leases | $354.3M |
| Loans held for sale | $0 |
| Loans to total assets | 78.95% |
| Loan-to-deposit ratio | 94.95% |
| Net loans to equity capital | 5.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.36% |
| Multifamily (5+ residential) | 1.41% |
| Commercial and industrial | 4.62% |
| Consumer | 4.22% |
| Credit cards | 0.00% |
| Farm | 11.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 52.09% |
| Construction concentration (Tier 1 capital + allowance) | 28.06% |
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 | 6.41% |
| 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 | $302.3M | $360.4M | 8.21% | 4.32% | 5.61% |
| Q4 2023 | $315.9M | $355.2M | 7.31% | 4.05% | 5.44% |
| Q1 2024 | $321.7M | $369.0M | 7.41% | 4.36% | 5.24% |
| Q2 2024 | $328.8M | $358.5M | 6.61% | 4.52% | 5.11% |
| Q3 2024 | $336.7M | $355.8M | 6.34% | 4.55% | 5.03% |
| Q4 2024 | $339.8M | $378.1M | 6.46% | 4.52% | 4.91% |
| Q1 2025 | $340.7M | $381.3M | 8.15% | 4.46% | 4.83% |
| Q2 2025 | $343.9M | $371.5M | 8.16% | 4.33% | 4.73% |
| Q3 2025 | $350.6M | $373.9M | 8.07% | 4.13% | 4.58% |
| Q4 2025 | $352.2M | $370.3M | 8.27% | 4.40% | 4.36% |
| Q1 2026 | $355.7M | $380.8M | 8.47% | 4.52% | 4.28% |
| Q2 2026 | $358.7M | $377.8M | 8.36% | 4.62% | 4.22% |
The Lincoln National Bank of Hodgenville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Lincoln National Bank of Hodgenville, 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 The Lincoln National Bank of Hodgenville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2750) · FFIEC NIC profile (RSSD 553944)