The Baldwin State Bank: 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 Loan-to-deposit ratio: 3.04 percentage points lower than in Q1 2026, at 46.76%. On loan-to-deposit ratio, The Baldwin State Bank is 19th from the bottom among 182 Kansas banks, 46.76% (Q2 2026). The Baldwin State Bank reported 46.76% on loan-to-deposit ratio for Q2 2026, 34.07 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $48.0M |
| Net loans and leases | $47.4M |
| Loans held for sale | $0 |
| Loans to total assets | 41.54% |
| Loan-to-deposit ratio | 46.76% |
| Net loans to equity capital | 4.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.28% |
| Multifamily (5+ residential) | 0.42% |
| Commercial and industrial | 10.89% |
| Consumer | 3.05% |
| Credit cards | 0.00% |
| Farm | 2.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 6.04% |
| Construction concentration (Tier 1 capital + allowance) | 1.72% |
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 | 5.64% |
| Interest income on loans | $678K |
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 | $48.1M | $89.8M | 8.79% | 9.40% | 4.83% |
| Q4 2023 | $48.1M | $87.3M | 8.78% | 10.34% | 4.38% |
| Q1 2024 | $48.5M | $90.9M | 8.57% | 10.55% | 4.08% |
| Q2 2024 | $46.8M | $93.0M | 8.77% | 11.21% | 3.86% |
| Q3 2024 | $45.5M | $90.7M | 9.06% | 9.81% | 4.55% |
| Q4 2024 | $47.2M | $86.5M | 10.49% | 10.44% | 4.24% |
| Q1 2025 | $48.4M | $94.0M | 14.87% | 9.62% | 4.17% |
| Q2 2025 | $48.6M | $96.9M | 14.70% | 10.16% | 3.38% |
| Q3 2025 | $49.2M | $94.9M | 14.25% | 9.77% | 3.15% |
| Q4 2025 | $48.6M | $92.6M | 14.42% | 9.86% | 3.20% |
| Q1 2026 | $47.3M | $95.1M | 13.70% | 11.11% | 3.17% |
| Q2 2026 | $48.0M | $102.6M | 13.28% | 10.89% | 3.05% |
The Baldwin State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Baldwin State Bank, 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 The Baldwin State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10906) · FFIEC NIC profile (RSSD 997155)