Bank of Labor: 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): 5.44 percentage points higher than in Q1 2026, at 49.10%. Bank of Labor has the 6th lowest loan-to-deposit ratio of the 182 banks headquartered in Kansas, at 35.15% as of Q2 2026. Bank of Labor's loan-to-deposit ratio of 35.15% is well below the 88.20% median for banks in the $1B-10B asset tier, a gap of 53.06 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $365.9M |
| Net loans and leases | $360.6M |
| Loans held for sale | $0 |
| Loans to total assets | 32.94% |
| Loan-to-deposit ratio | 35.15% |
| Net loans to equity capital | 7.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.98% |
| Multifamily (5+ residential) | 10.18% |
| Commercial and industrial | 32.30% |
| Consumer | 0.37% |
| Credit cards | 0.07% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 131.61% |
| Construction concentration (Tier 1 capital + allowance) | 49.10% |
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 | 5.74% |
| Interest income on loans | $5.4M |
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 | $309.7M | $848.3M | 39.89% | 39.57% | 0.36% |
| Q4 2023 | $326.4M | $875.0M | 40.47% | 38.89% | 0.44% |
| Q1 2024 | $343.6M | $900.2M | 39.70% | 38.30% | 0.45% |
| Q2 2024 | $334.8M | $899.9M | 40.04% | 36.05% | 0.50% |
| Q3 2024 | $336.2M | $915.6M | 38.85% | 37.06% | 0.50% |
| Q4 2024 | $336.0M | $874.1M | 43.71% | 34.56% | 0.51% |
| Q1 2025 | $336.1M | $956.8M | 43.43% | 32.37% | 0.49% |
| Q2 2025 | $342.0M | $1.00B | 41.35% | 33.10% | 0.46% |
| Q3 2025 | $364.0M | $992.5M | 39.19% | 37.11% | 0.43% |
| Q4 2025 | $359.3M | $991.1M | 39.45% | 34.26% | 0.40% |
| Q1 2026 | $364.8M | $1.02B | 39.05% | 33.74% | 0.37% |
| Q2 2026 | $365.9M | $1.04B | 38.98% | 32.30% | 0.37% |
Bank of Labor loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Labor, 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 Labor profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1874) · FFIEC NIC profile (RSSD 246657)