Owingsville 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 6.05 percentage points in Q2 2026, from 33.56% to 39.61%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Owingsville Banking Company is 53rd of 120 on loan-to-deposit ratio, 84.76% 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. Owingsville Banking Company sits 3.92 points higher, at 84.76% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $78.2M |
| Net loans and leases | $77.4M |
| Loans held for sale | $0 |
| Loans to total assets | 75.18% |
| Loan-to-deposit ratio | 84.76% |
| Net loans to equity capital | 8.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.67% |
| Multifamily (5+ residential) | 0.68% |
| Commercial and industrial | 1.07% |
| Consumer | 4.16% |
| Credit cards | 0.00% |
| Farm | 55.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 39.61% |
| Construction concentration (Tier 1 capital + allowance) | 20.11% |
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 | 7.20% |
| Interest income on loans | $1.4M |
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 | $63.5M | $78.8M | 3.34% | 1.96% | 4.35% |
| Q4 2023 | $65.1M | $82.4M | 3.60% | 1.97% | 4.66% |
| Q1 2024 | $64.9M | $83.9M | 3.73% | 1.90% | 4.51% |
| Q2 2024 | $67.1M | $84.8M | 4.00% | 1.90% | 4.43% |
| Q3 2024 | $69.0M | $84.7M | 3.74% | 1.84% | 4.56% |
| Q4 2024 | $72.0M | $83.6M | 3.63% | 1.71% | 4.99% |
| Q1 2025 | $73.9M | $87.8M | 3.61% | 1.55% | 4.84% |
| Q2 2025 | $74.5M | $89.1M | 3.49% | 1.53% | 4.29% |
| Q3 2025 | $75.2M | $87.0M | 3.35% | 1.37% | 4.58% |
| Q4 2025 | $76.1M | $88.2M | 3.73% | 1.21% | 4.67% |
| Q1 2026 | $76.3M | $89.7M | 3.51% | 1.11% | 4.39% |
| Q2 2026 | $78.2M | $92.3M | 3.67% | 1.07% | 4.16% |
Owingsville Banking Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Owingsville 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 Owingsville Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9672) · FFIEC NIC profile (RSSD 492810)