PBT Bancorp: 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) dropped 4.22 percentage points in Q2 2026, from 315.02% to 310.80%. It was the largest change from Q1 2026 among the key lines here. PBT Bancorp ranks 45th of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 87.11% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. PBT Bancorp sits 6.56 points higher, at 87.11% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $371.7M |
| Net loans and leases | $367.5M |
| Loans held for sale | $0 |
| Loans to total assets | 78.55% |
| Loan-to-deposit ratio | 87.11% |
| Net loans to equity capital | 15.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.19% |
| Multifamily (5+ residential) | 4.79% |
| Commercial and industrial | 17.45% |
| Consumer | 12.53% |
| Credit cards | 0.00% |
| Farm | 0.31% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 310.80% |
| Construction concentration (Tier 1 capital + allowance) | 81.87% |
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 | 7.81% |
| Interest income on loans | $6.6M |
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 | $234.8M | $294.4M | 29.51% | 18.21% | 6.02% |
| Q4 2023 | $237.9M | $300.6M | 29.91% | 17.09% | 6.15% |
| Q1 2024 | $237.8M | $297.9M | 28.05% | 19.12% | 7.56% |
| Q2 2024 | $235.0M | $298.1M | 28.35% | 19.61% | 7.92% |
| Q3 2024 | $231.0M | $298.8M | 28.00% | 19.36% | 8.20% |
| Q4 2024 | $242.6M | $304.8M | 30.50% | 18.07% | 8.52% |
| Q1 2025 | $255.5M | $313.3M | 32.16% | 16.54% | 8.39% |
| Q2 2025 | $260.9M | $305.3M | 32.70% | 16.12% | 9.91% |
| Q3 2025 | $275.9M | $322.9M | 30.79% | 17.30% | 10.68% |
| Q4 2025 | $301.6M | $333.0M | 29.65% | 16.99% | 10.98% |
| Q1 2026 | $337.2M | $378.8M | 27.38% | 17.32% | 11.31% |
| Q2 2026 | $371.7M | $426.7M | 25.19% | 17.45% | 12.53% |
PBT Bancorp loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock PBT Bancorp, 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 PBT Bancorp profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8117) · FFIEC NIC profile (RSSD 814711)