Traditional 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.
The standout move of Q2 2026 was in Loans held for sale: 53.3% higher than in Q1 2026, at $2.4M. Within Kentucky, Traditional Bank, Inc. is 76th of 120 on loan-to-deposit ratio, 78.26% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Traditional Bank, Inc. sits 9.94 points lower, at 78.26% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.68B |
| Net loans and leases | $1.66B |
| Loans held for sale | $2.4M |
| Loans to total assets | 68.66% |
| Loan-to-deposit ratio | 78.26% |
| Net loans to equity capital | 7.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 36.66% |
| Multifamily (5+ residential) | 3.46% |
| Commercial and industrial | 4.92% |
| Consumer | 0.43% |
| Credit cards | 0.00% |
| Farm | 2.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.01% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 273.92% |
| Construction concentration (Tier 1 capital + allowance) | 94.35% |
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 | $26.3M |
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 | $1.36B | $2.00B | 31.66% | 6.53% | 0.37% |
| Q4 2023 | $1.42B | $2.02B | 32.57% | 6.40% | 0.36% |
| Q1 2024 | $1.43B | $1.99B | 33.66% | 6.28% | 0.36% |
| Q2 2024 | $1.48B | $1.98B | 33.29% | 6.14% | 0.34% |
| Q3 2024 | $1.52B | $1.96B | 34.29% | 5.95% | 0.31% |
| Q4 2024 | $1.51B | $2.13B | 34.52% | 5.72% | 0.29% |
| Q1 2025 | $1.53B | $2.11B | 34.23% | 6.32% | 0.27% |
| Q2 2025 | $1.57B | $2.14B | 36.37% | 6.17% | 0.26% |
| Q3 2025 | $1.60B | $2.13B | 35.63% | 5.25% | 0.45% |
| Q4 2025 | $1.61B | $2.20B | 37.11% | 4.77% | 0.42% |
| Q1 2026 | $1.64B | $2.14B | 36.65% | 4.58% | 0.41% |
| Q2 2026 | $1.68B | $2.14B | 36.66% | 4.92% | 0.43% |
Traditional Bank, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Traditional 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 Traditional Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2711) · FFIEC NIC profile (RSSD 786210)