River City 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.
Construction concentration (tier 1 capital + allowance) dropped 5.53 percentage points in Q2 2026, from 168.21% to 162.68%. It was the largest change from Q1 2026 among the key lines here. River City Bank, Inc. ranks 51st of 120 Kentucky banks on loan-to-deposit ratio, in the upper half at 85.77% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. River City Bank, Inc. sits 4.93 points higher, at 85.77% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $375.9M |
| Net loans and leases | $373.3M |
| Loans held for sale | $427K |
| Loans to total assets | 75.96% |
| Loan-to-deposit ratio | 85.77% |
| Net loans to equity capital | 7.40% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.59% |
| Multifamily (5+ residential) | 6.96% |
| Commercial and industrial | 3.97% |
| Consumer | 0.26% |
| Credit cards | 0.00% |
| Farm | 0.82% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.20% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 300.88% |
| Construction concentration (Tier 1 capital + allowance) | 162.68% |
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 | 7.23% |
| Interest income on loans | $6.8M |
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 | $306.6M | $382.8M | 32.09% | 3.61% | 0.43% |
| Q4 2023 | $317.0M | $377.4M | 30.66% | 3.36% | 0.39% |
| Q1 2024 | $342.5M | $388.1M | 30.41% | 4.52% | 0.39% |
| Q2 2024 | $339.9M | $402.6M | 31.10% | 4.23% | 0.36% |
| Q3 2024 | $353.0M | $410.9M | 29.97% | 4.63% | 0.39% |
| Q4 2024 | $366.9M | $427.4M | 29.63% | 5.87% | 0.35% |
| Q1 2025 | $371.2M | $423.9M | 29.00% | 5.99% | 0.31% |
| Q2 2025 | $382.9M | $439.8M | 31.19% | 5.85% | 0.67% |
| Q3 2025 | $377.3M | $443.1M | 32.85% | 4.35% | 0.28% |
| Q4 2025 | $367.5M | $439.0M | 33.26% | 4.14% | 0.32% |
| Q1 2026 | $369.8M | $438.5M | 34.42% | 4.20% | 0.26% |
| Q2 2026 | $375.9M | $438.3M | 32.59% | 3.97% | 0.26% |
River City Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock River City 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 River City Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26703) · FFIEC NIC profile (RSSD 396244)