The Murray Bank: 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 CRE concentration (Tier 1 capital + allowance): 7.72 percentage points lower than in Q1 2026, at 136.90%. Within Kentucky, The Murray Bank is 48th of 120 on loan-to-deposit ratio, 85.91% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Murray Bank sits 5.08 points higher, at 85.91% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $409.6M |
| Net loans and leases | $403.2M |
| Loans held for sale | $0 |
| Loans to total assets | 76.68% |
| Loan-to-deposit ratio | 85.91% |
| Net loans to equity capital | 8.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.37% |
| Multifamily (5+ residential) | 2.89% |
| Commercial and industrial | 16.57% |
| Consumer | 2.59% |
| Credit cards | 0.00% |
| Farm | 6.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.32% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 136.90% |
| Construction concentration (Tier 1 capital + allowance) | 41.08% |
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 | 6.39% |
| Interest income on loans | $6.4M |
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 | $309.7M | $415.3M | 21.97% | 9.77% | 3.83% |
| Q4 2023 | $318.2M | $422.2M | 21.85% | 10.24% | 3.66% |
| Q1 2024 | $326.0M | $434.7M | 21.36% | 10.31% | 3.47% |
| Q2 2024 | $350.8M | $443.1M | 21.03% | 11.12% | 3.34% |
| Q3 2024 | $366.4M | $455.8M | 20.35% | 11.88% | 3.34% |
| Q4 2024 | $374.8M | $472.7M | 19.87% | 13.60% | 2.68% |
| Q1 2025 | $386.6M | $470.9M | 19.04% | 15.52% | 2.63% |
| Q2 2025 | $390.7M | $473.9M | 18.54% | 15.81% | 2.78% |
| Q3 2025 | $397.8M | $479.1M | 18.86% | 15.80% | 2.70% |
| Q4 2025 | $404.6M | $487.6M | 18.65% | 15.25% | 2.53% |
| Q1 2026 | $405.9M | $487.6M | 18.45% | 15.25% | 2.63% |
| Q2 2026 | $409.6M | $476.7M | 18.37% | 16.57% | 2.59% |
The Murray Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Murray Bank, 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 Murray Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35161) · FFIEC NIC profile (RSSD 2819242)