The Bank of Holyrood: 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 1.54 percentage points in Q2 2026, from 21.85% to 23.39%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, The Bank of Holyrood is 114th of 182 on loan-to-deposit ratio, 69.10% as of Q2 2026, below the middle of the field. At 69.10%, The Bank of Holyrood's loan-to-deposit ratio is close to the 67.92% median for banks in the < $100M asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $40.7M |
| Net loans and leases | $40.0M |
| Loans held for sale | $0 |
| Loans to total assets | 58.31% |
| Loan-to-deposit ratio | 69.10% |
| Net loans to equity capital | 3.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.19% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 32.18% |
| Consumer | 3.90% |
| Credit cards | 0.00% |
| Farm | 19.15% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 23.39% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.79% |
| Interest income on loans | $687K |
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 | $44.3M | $58.7M | 9.67% | 25.99% | 5.34% |
| Q4 2023 | $45.5M | $53.6M | 9.14% | 24.89% | 4.93% |
| Q1 2024 | $44.6M | $52.7M | 8.13% | 26.55% | 5.28% |
| Q2 2024 | $43.5M | $52.0M | 7.38% | 25.69% | 5.23% |
| Q3 2024 | $44.8M | $49.6M | 7.83% | 25.75% | 5.06% |
| Q4 2024 | $45.0M | $53.7M | 7.39% | 26.94% | 4.32% |
| Q1 2025 | $43.3M | $56.0M | 7.00% | 29.20% | 4.21% |
| Q2 2025 | $42.1M | $54.9M | 7.31% | 29.60% | 4.52% |
| Q3 2025 | $41.2M | $53.9M | 7.27% | 29.35% | 4.39% |
| Q4 2025 | $40.2M | $53.8M | 7.21% | 30.10% | 4.26% |
| Q1 2026 | $39.7M | $58.3M | 6.80% | 32.12% | 4.10% |
| Q2 2026 | $40.7M | $58.9M | 7.19% | 32.18% | 3.90% |
The Bank of Holyrood loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Holyrood, 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 Bank of Holyrood profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9661) · FFIEC NIC profile (RSSD 871358)