Logan Bank & Trust 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 1.64 percentage points in Q2 2026, from 48.37% to 46.72%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Logan Bank & Trust Company is 5th from the bottom among 41 West Virginia banks, 55.70% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Logan Bank & Trust Company sits 25.14 points lower, at 55.70% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $181.8M |
| Net loans and leases | $180.2M |
| Loans held for sale | $0 |
| Loans to total assets | 50.62% |
| Loan-to-deposit ratio | 55.70% |
| Net loans to equity capital | 5.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.96% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 17.23% |
| Consumer | 7.09% |
| Credit cards | 0.09% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 46.72% |
| Construction concentration (Tier 1 capital + allowance) | 23.36% |
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 | 5.92% |
| 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 | $157.2M | $319.4M | 14.21% | 19.03% | 8.35% |
| Q4 2023 | $156.3M | $316.2M | 13.65% | 20.13% | 7.55% |
| Q1 2024 | $159.4M | $324.4M | 14.39% | 19.03% | 7.74% |
| Q2 2024 | $165.7M | $323.3M | 13.85% | 19.64% | 8.03% |
| Q3 2024 | $173.2M | $327.4M | 12.47% | 21.01% | 8.13% |
| Q4 2024 | $172.9M | $328.0M | 11.97% | 20.95% | 7.95% |
| Q1 2025 | $173.6M | $334.4M | 11.66% | 21.31% | 7.59% |
| Q2 2025 | $175.5M | $327.0M | 10.80% | 20.43% | 7.36% |
| Q3 2025 | $179.3M | $330.2M | 9.51% | 19.76% | 6.90% |
| Q4 2025 | $183.4M | $329.7M | 9.00% | 20.47% | 6.81% |
| Q1 2026 | $179.5M | $330.1M | 9.11% | 18.65% | 6.67% |
| Q2 2026 | $181.8M | $326.4M | 8.96% | 17.23% | 7.09% |
Logan Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Logan Bank & Trust 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 Logan Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19285) · FFIEC NIC profile (RSSD 164331)