Armed Forces Bank, N.A.: 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) dropped 23.51 percentage points in Q2 2026, from 154.24% to 130.73%. It was the largest change from Q1 2026 among the key lines here. Armed Forces Bank, N.A. ranks 138th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 60.31% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Armed Forces Bank, N.A. sits 27.89 points lower, at 60.31% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $734.8M |
| Net loans and leases | $722.9M |
| Loans held for sale | $32.1M |
| Loans to total assets | 51.63% |
| Loan-to-deposit ratio | 60.31% |
| Net loans to equity capital | 3.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.85% |
| Multifamily (5+ residential) | 4.42% |
| Commercial and industrial | 21.06% |
| Consumer | 3.60% |
| Credit cards | 0.18% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.56% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 130.73% |
| Construction concentration (Tier 1 capital + allowance) | 0.34% |
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 | 6.38% |
| Interest income on loans | $12.1M |
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 | $793.4M | $1.11B | 45.51% | 15.05% | 3.01% |
| Q4 2023 | $801.7M | $1.14B | 44.74% | 16.10% | 2.92% |
| Q1 2024 | $782.8M | $1.17B | 44.18% | 15.02% | 2.89% |
| Q2 2024 | $868.7M | $1.18B | 41.08% | 19.93% | 2.66% |
| Q3 2024 | $845.9M | $1.17B | 40.74% | 19.64% | 2.82% |
| Q4 2024 | $822.5M | $1.20B | 41.30% | 19.24% | 2.93% |
| Q1 2025 | $785.5M | $1.22B | 41.47% | 17.96% | 2.99% |
| Q2 2025 | $777.8M | $1.22B | 41.56% | 16.95% | 3.12% |
| Q3 2025 | $825.9M | $1.22B | 36.66% | 20.10% | 2.97% |
| Q4 2025 | $807.6M | $1.22B | 37.50% | 19.27% | 3.21% |
| Q1 2026 | $781.2M | $1.24B | 37.62% | 19.55% | 3.24% |
| Q2 2026 | $734.8M | $1.22B | 34.85% | 21.06% | 3.60% |
Armed Forces Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Armed Forces Bank, N.A., 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 Armed Forces Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4666) · FFIEC NIC profile (RSSD 983457)