PBK Bank, Inc: 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): 17.59 percentage points lower than in Q1 2026, at 35.96%. Within Kentucky, PBK Bank, Inc is 103rd of 120 on loan-to-deposit ratio, 65.33% as of Q2 2026, below the middle of the field. PBK Bank, Inc reported 65.33% on loan-to-deposit ratio for Q2 2026, 15.51 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $98.3M |
| Net loans and leases | $97.6M |
| Loans held for sale | $0 |
| Loans to total assets | 55.97% |
| Loan-to-deposit ratio | 65.33% |
| Net loans to equity capital | 3.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.48% |
| Multifamily (5+ residential) | 1.56% |
| Commercial and industrial | 3.40% |
| Consumer | 8.87% |
| Credit cards | 0.00% |
| Farm | 14.17% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.62% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 35.96% |
| Construction concentration (Tier 1 capital + allowance) | 21.32% |
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 | 7.80% |
| Interest income on loans | $2.0M |
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 | $91.6M | $132.2M | 17.04% | 3.28% | 8.79% |
| Q4 2023 | $94.0M | $131.9M | 17.65% | 3.61% | 8.50% |
| Q1 2024 | $94.2M | $134.5M | 18.75% | 3.44% | 8.25% |
| Q2 2024 | $93.9M | $137.7M | 17.21% | 3.30% | 8.73% |
| Q3 2024 | $95.5M | $137.2M | 16.82% | 2.89% | 8.69% |
| Q4 2024 | $95.1M | $138.7M | 16.41% | 2.79% | 8.55% |
| Q1 2025 | $96.3M | $145.5M | 17.01% | 2.49% | 8.59% |
| Q2 2025 | $98.7M | $143.1M | 15.05% | 5.36% | 8.65% |
| Q3 2025 | $99.1M | $142.1M | 15.11% | 4.18% | 8.71% |
| Q4 2025 | $101.3M | $146.5M | 14.02% | 4.96% | 8.05% |
| Q1 2026 | $102.9M | $147.6M | 13.85% | 4.13% | 8.62% |
| Q2 2026 | $98.3M | $150.4M | 12.48% | 3.40% | 8.87% |
PBK Bank, Inc loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock PBK Bank, Inc, 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 PBK Bank, Inc profile, peer group comparison, or how this data updates.
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