Monticello 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) climbed 4.92 percentage points in Q2 2026, from 232.95% to 237.87%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Monticello Banking Company is 59th of 120 on loan-to-deposit ratio, 83.80% as of Q2 2026, above the middle of the field. Monticello Banking Company reported 83.80% on loan-to-deposit ratio for Q2 2026, 4.41 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $774.5M |
| Net loans and leases | $765.3M |
| Loans held for sale | $0 |
| Loans to total assets | 72.53% |
| Loan-to-deposit ratio | 83.80% |
| Net loans to equity capital | 8.28% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.45% |
| Multifamily (5+ residential) | 9.58% |
| Commercial and industrial | 3.69% |
| Consumer | 2.18% |
| Credit cards | 0.19% |
| Farm | 3.74% |
| Loans to depository institutions | 1.88% |
| State and political subdivisions | 0.25% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 237.87% |
| Construction concentration (Tier 1 capital + allowance) | 70.24% |
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 | 6.20% |
| Interest income on loans | $12.1M |
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 | $854.0M | $926.6M | 29.89% | 5.63% | 2.55% |
| Q4 2023 | $855.6M | $940.1M | 29.95% | 5.53% | 2.49% |
| Q1 2024 | $862.8M | $925.5M | 29.45% | 5.52% | 2.31% |
| Q2 2024 | $852.2M | $917.9M | 29.04% | 5.24% | 2.29% |
| Q3 2024 | $840.9M | $916.2M | 29.38% | 5.10% | 2.29% |
| Q4 2024 | $829.1M | $926.5M | 28.15% | 4.93% | 2.32% |
| Q1 2025 | $849.4M | $943.8M | 27.63% | 4.54% | 2.20% |
| Q2 2025 | $841.9M | $962.6M | 27.71% | 4.35% | 2.23% |
| Q3 2025 | $841.8M | $942.9M | 28.52% | 4.02% | 2.27% |
| Q4 2025 | $819.4M | $938.7M | 29.63% | 4.03% | 2.22% |
| Q1 2026 | $788.1M | $949.4M | 29.81% | 3.86% | 2.17% |
| Q2 2026 | $774.5M | $924.3M | 29.45% | 3.69% | 2.18% |
Monticello Banking Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Monticello 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 Monticello Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 292) · FFIEC NIC profile (RSSD 266945)