Security Bank and Trust 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.
Compared with Q1 2026, Commercial and industrial rose 0.37 percentage points in Q2 2026 to 9.07%, the biggest move on this page. Security Bank and Trust Company has the 4th lowest loan-to-deposit ratio of the 120 banks headquartered in Kentucky, at 44.97% as of Q2 2026. Security Bank and Trust Company reported 44.97% on loan-to-deposit ratio for Q2 2026, 22.65 points below the 67.62% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $27.1M |
| Net loans and leases | $26.8M |
| Loans held for sale | $0 |
| Loans to total assets | 37.76% |
| Loan-to-deposit ratio | 44.97% |
| Net loans to equity capital | 2.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.59% |
| Multifamily (5+ residential) | 11.51% |
| Commercial and industrial | 9.07% |
| Consumer | 2.65% |
| Credit cards | 0.00% |
| Farm | 8.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 54.01% |
| Construction concentration (Tier 1 capital + allowance) | 1.06% |
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 | 6.29% |
| Interest income on loans | $425K |
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 | $27.4M | $58.6M | 28.86% | 3.46% | 3.91% |
| Q4 2023 | $27.9M | $59.7M | 28.28% | 4.52% | 3.69% |
| Q1 2024 | $28.4M | $63.1M | 28.27% | 4.95% | 3.49% |
| Q2 2024 | $28.7M | $61.9M | 26.56% | 5.88% | 3.54% |
| Q3 2024 | $28.7M | $59.4M | 24.74% | 6.97% | 3.82% |
| Q4 2024 | $29.4M | $57.6M | 23.49% | 8.13% | 3.88% |
| Q1 2025 | $28.9M | $59.2M | 29.95% | 9.11% | 4.09% |
| Q2 2025 | $30.0M | $57.2M | 28.26% | 8.28% | 3.16% |
| Q3 2025 | $29.1M | $56.3M | 28.66% | 7.72% | 3.03% |
| Q4 2025 | $27.9M | $57.8M | 26.82% | 8.52% | 2.84% |
| Q1 2026 | $27.1M | $60.5M | 26.30% | 8.71% | 2.77% |
| Q2 2026 | $27.1M | $60.3M | 26.59% | 9.07% | 2.65% |
Security Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank and Trust 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 Security Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8121) · FFIEC NIC profile (RSSD 835613)