Putnam County 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): 10.02 percentage points higher than in Q1 2026, at 149.32%. Putnam County Bank ranks 30th of 41 West Virginia banks on loan-to-deposit ratio, in the lower half at 72.93% (Q2 2026). Putnam County Bank reported 72.93% on loan-to-deposit ratio for Q2 2026, 7.91 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $450.3M |
| Net loans and leases | $445.0M |
| Loans held for sale | $0 |
| Loans to total assets | 63.94% |
| Loan-to-deposit ratio | 72.93% |
| Net loans to equity capital | 5.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.47% |
| Multifamily (5+ residential) | 5.66% |
| Commercial and industrial | 1.63% |
| Consumer | 0.73% |
| Credit cards | 0.02% |
| Farm | 0.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 149.32% |
| Construction concentration (Tier 1 capital + allowance) | 43.62% |
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 | 5.75% |
| 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 | $394.0M | $550.8M | 28.43% | 3.74% | 0.89% |
| Q4 2023 | $398.9M | $526.0M | 28.24% | 3.78% | 0.89% |
| Q1 2024 | $400.7M | $544.4M | 26.67% | 3.72% | 0.92% |
| Q2 2024 | $415.4M | $540.2M | 26.79% | 3.40% | 0.89% |
| Q3 2024 | $423.8M | $571.2M | 26.05% | 3.37% | 0.85% |
| Q4 2024 | $423.1M | $565.2M | 25.57% | 3.09% | 0.84% |
| Q1 2025 | $422.9M | $569.9M | 25.78% | 3.05% | 0.77% |
| Q2 2025 | $440.1M | $583.8M | 25.40% | 3.33% | 0.72% |
| Q3 2025 | $441.4M | $589.8M | 25.83% | 2.82% | 0.77% |
| Q4 2025 | $454.2M | $565.0M | 26.06% | 2.51% | 0.69% |
| Q1 2026 | $451.8M | $622.8M | 25.67% | 2.79% | 0.69% |
| Q2 2026 | $450.3M | $617.5M | 25.47% | 1.63% | 0.73% |
Putnam County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Putnam County 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 Putnam County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15243) · FFIEC NIC profile (RSSD 417626)