Morgantown Bank & Trust Company, Incorporated: 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): 13.07 percentage points lower than in Q1 2026, at 89.72%. Within Kentucky, Morgantown Bank & Trust Company, Incorporated is 33rd of 120 on loan-to-deposit ratio, 91.90% as of Q2 2026, above the middle of the field. Morgantown Bank & Trust Company, Incorporated reported 91.90% on loan-to-deposit ratio for Q2 2026, 11.06 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $354.4M |
| Net loans and leases | $352.0M |
| Loans held for sale | $242K |
| Loans to total assets | 80.62% |
| Loan-to-deposit ratio | 91.90% |
| Net loans to equity capital | 10.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.18% |
| Multifamily (5+ residential) | 3.85% |
| Commercial and industrial | 4.47% |
| Consumer | 4.12% |
| Credit cards | 0.00% |
| Farm | 9.83% |
| Loans to depository institutions | 0.39% |
| State and political subdivisions | 0.56% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 233.76% |
| Construction concentration (Tier 1 capital + allowance) | 89.72% |
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 | 6.68% |
| Interest income on loans | $5.8M |
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 | $215.7M | $264.6M | 12.83% | 6.86% | 5.31% |
| Q4 2023 | $236.8M | $279.6M | 14.50% | 6.09% | 4.81% |
| Q1 2024 | $247.6M | $295.6M | 15.66% | 5.82% | 4.72% |
| Q2 2024 | $266.4M | $297.6M | 11.59% | 5.91% | 4.78% |
| Q3 2024 | $279.2M | $309.4M | 12.87% | 4.95% | 4.47% |
| Q4 2024 | $291.9M | $323.0M | 12.02% | 4.80% | 4.34% |
| Q1 2025 | $301.4M | $344.0M | 13.04% | 3.81% | 4.30% |
| Q2 2025 | $324.0M | $356.4M | 15.50% | 3.89% | 4.20% |
| Q3 2025 | $328.8M | $364.6M | 14.75% | 4.02% | 4.23% |
| Q4 2025 | $333.6M | $369.6M | 14.41% | 4.10% | 4.09% |
| Q1 2026 | $343.4M | $382.0M | 15.74% | 4.28% | 4.18% |
| Q2 2026 | $354.4M | $385.7M | 16.18% | 4.47% | 4.12% |
Morgantown Bank & Trust Company, Incorporated loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Morgantown Bank & Trust Company, Incorporated, 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 Morgantown Bank & Trust Company, Incorporated profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 275) · FFIEC NIC profile (RSSD 330949)