Wilson & Muir Bank & 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.
Cre concentration (tier 1 capital + allowance) climbed 8.12 percentage points in Q2 2026, from 188.67% to 196.80%. It was the largest change from Q1 2026 among the key lines here. Within Kentucky, Wilson & Muir Bank & Trust Company is 86th of 120 on loan-to-deposit ratio, 75.55% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Wilson & Muir Bank & Trust Company sits 5.28 points lower, at 75.55% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $549.7M |
| Net loans and leases | $544.3M |
| Loans held for sale | $3.7M |
| Loans to total assets | 67.17% |
| Loan-to-deposit ratio | 75.55% |
| Net loans to equity capital | 9.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.87% |
| Multifamily (5+ residential) | 1.15% |
| Commercial and industrial | 9.53% |
| Consumer | 2.69% |
| Credit cards | 0.16% |
| Farm | 4.80% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.84% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 196.80% |
| Construction concentration (Tier 1 capital + allowance) | 74.22% |
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 | 6.88% |
| Interest income on loans | $9.3M |
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 | $437.4M | $625.1M | 27.12% | 13.85% | 3.27% |
| Q4 2023 | $443.0M | $654.0M | 26.52% | 13.50% | 4.08% |
| Q1 2024 | $474.4M | $657.8M | 26.05% | 12.56% | 4.49% |
| Q2 2024 | $490.7M | $669.4M | 25.28% | 12.42% | 3.00% |
| Q3 2024 | $509.5M | $691.2M | 25.16% | 12.33% | 2.84% |
| Q4 2024 | $517.5M | $700.7M | 24.53% | 11.34% | 2.82% |
| Q1 2025 | $522.6M | $777.0M | 24.91% | 11.42% | 2.73% |
| Q2 2025 | $526.9M | $719.8M | 26.55% | 11.54% | 2.85% |
| Q3 2025 | $521.0M | $724.9M | 26.00% | 11.46% | 2.83% |
| Q4 2025 | $527.7M | $750.2M | 26.54% | 10.14% | 2.77% |
| Q1 2026 | $533.4M | $748.1M | 26.36% | 10.00% | 2.72% |
| Q2 2026 | $549.7M | $727.6M | 26.87% | 9.53% | 2.69% |
Wilson & Muir Bank & Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Wilson & Muir Bank & 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 Wilson & Muir Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17040) · FFIEC NIC profile (RSSD 899343)