Bank of Commerce: 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 Construction concentration (Tier 1 capital + allowance): 2.27 percentage points higher than in Q1 2026, at 16.90%. Within Kansas, Bank of Commerce is 92nd of 182 on loan-to-deposit ratio, 76.08% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bank of Commerce sits 4.87 points lower, at 76.08% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $334.2M |
| Net loans and leases | $330.3M |
| Loans held for sale | $0 |
| Loans to total assets | 67.18% |
| Loan-to-deposit ratio | 76.08% |
| Net loans to equity capital | 6.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 6.48% |
| Multifamily (5+ residential) | 3.99% |
| Commercial and industrial | 11.38% |
| Consumer | 3.20% |
| Credit cards | 0.00% |
| Farm | 28.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.09% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 68.06% |
| Construction concentration (Tier 1 capital + allowance) | 16.90% |
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 | 6.30% |
| Interest income on loans | $5.2M |
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 | $284.2M | $391.3M | 9.92% | 12.39% | 4.67% |
| Q4 2023 | $291.5M | $408.9M | 9.54% | 12.03% | 4.56% |
| Q1 2024 | $294.8M | $403.0M | 9.98% | 12.76% | 4.44% |
| Q2 2024 | $297.6M | $399.5M | 7.53% | 11.51% | 4.56% |
| Q3 2024 | $298.4M | $390.6M | 7.46% | 11.24% | 4.47% |
| Q4 2024 | $297.8M | $403.5M | 7.26% | 11.90% | 4.26% |
| Q1 2025 | $310.4M | $418.5M | 6.98% | 12.81% | 3.85% |
| Q2 2025 | $316.6M | $416.6M | 6.75% | 11.95% | 3.75% |
| Q3 2025 | $309.9M | $411.8M | 7.88% | 9.82% | 3.74% |
| Q4 2025 | $321.0M | $431.3M | 7.70% | 10.89% | 3.52% |
| Q1 2026 | $328.6M | $442.0M | 6.76% | 12.10% | 3.41% |
| Q2 2026 | $334.2M | $439.3M | 6.48% | 11.38% | 3.20% |
Bank of Commerce loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Commerce, 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 Bank of Commerce profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26217) · FFIEC NIC profile (RSSD 862057)