Town & Country 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.
Construction concentration (tier 1 capital + allowance) climbed 6.17 percentage points in Q2 2026, from 47.99% to 54.16%. It was the largest change from Q1 2026 among the key lines here. Town & Country Bank and Trust Company ranks 85th of 120 Kentucky banks on loan-to-deposit ratio, in the lower half at 75.64% (Q2 2026). Town & Country Bank and Trust Company reported 75.64% on loan-to-deposit ratio for Q2 2026, 5.20 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $285.9M |
| Net loans and leases | $282.9M |
| Loans held for sale | $0 |
| Loans to total assets | 65.93% |
| Loan-to-deposit ratio | 75.64% |
| Net loans to equity capital | 5.37% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.76% |
| Multifamily (5+ residential) | 3.43% |
| Commercial and industrial | 7.65% |
| Consumer | 1.67% |
| Credit cards | 0.00% |
| Farm | 2.20% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 195.17% |
| Construction concentration (Tier 1 capital + allowance) | 54.16% |
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 | 6.07% |
| Interest income on loans | $4.3M |
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 | $275.8M | $339.0M | 40.66% | 5.72% | 1.42% |
| Q4 2023 | $273.7M | $350.3M | 40.87% | 6.33% | 1.42% |
| Q1 2024 | $274.8M | $352.1M | 39.89% | 6.60% | 1.28% |
| Q2 2024 | $278.4M | $351.0M | 38.60% | 6.57% | 1.24% |
| Q3 2024 | $280.0M | $342.1M | 38.37% | 6.27% | 1.22% |
| Q4 2024 | $278.3M | $359.4M | 37.90% | 6.28% | 1.34% |
| Q1 2025 | $276.8M | $370.5M | 37.59% | 6.57% | 1.21% |
| Q2 2025 | $274.8M | $364.7M | 38.78% | 8.38% | 1.11% |
| Q3 2025 | $279.4M | $363.0M | 37.92% | 7.85% | 1.47% |
| Q4 2025 | $277.7M | $368.7M | 35.67% | 7.74% | 1.43% |
| Q1 2026 | $282.0M | $377.9M | 35.75% | 7.69% | 1.63% |
| Q2 2026 | $285.9M | $378.0M | 34.76% | 7.65% | 1.67% |
Town & Country Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Town & Country 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 Town & Country Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15703) · FFIEC NIC profile (RSSD 692946)