The Bank of Protection: 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 Farm: 2.14 percentage points higher than in Q1 2026, at 29.59%. Within Kansas, The Bank of Protection is 44th of 182 on loan-to-deposit ratio, 88.98% as of Q2 2026, above the middle of the field. The Bank of Protection reported 88.98% on loan-to-deposit ratio for Q2 2026, 8.04 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $108.5M |
| Net loans and leases | $107.5M |
| Loans held for sale | $0 |
| Loans to total assets | 70.26% |
| Loan-to-deposit ratio | 88.98% |
| Net loans to equity capital | 6.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.66% |
| Multifamily (5+ residential) | 0.03% |
| Commercial and industrial | 6.16% |
| Consumer | 3.26% |
| Credit cards | 0.00% |
| Farm | 29.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 4.39% |
| Construction concentration (Tier 1 capital + allowance) | 1.21% |
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 | 7.34% |
| Interest income on loans | $1.9M |
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 | $49.7M | $68.5M | 1.99% | 6.16% | 3.85% |
| Q4 2023 | $55.8M | $70.4M | 1.85% | 5.01% | 4.89% |
| Q1 2024 | $59.1M | $72.9M | 1.64% | 8.91% | 4.42% |
| Q2 2024 | $60.1M | $72.9M | 1.56% | 8.52% | 4.20% |
| Q3 2024 | $55.0M | $70.1M | 1.63% | 9.19% | 4.74% |
| Q4 2024 | $62.1M | $77.2M | 1.30% | 6.63% | 4.36% |
| Q1 2025 | $60.5M | $76.6M | 1.08% | 6.66% | 4.42% |
| Q2 2025 | $64.0M | $77.0M | 0.98% | 6.84% | 4.35% |
| Q3 2025 | $57.8M | $76.5M | 1.04% | 6.45% | 4.78% |
| Q4 2025 | $98.7M | $118.5M | 0.63% | 4.71% | 3.68% |
| Q1 2026 | $102.8M | $116.9M | 0.75% | 5.37% | 3.40% |
| Q2 2026 | $108.5M | $122.0M | 0.66% | 6.16% | 3.26% |
The Bank of Protection loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Protection, 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 Protection profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23099) · FFIEC NIC profile (RSSD 531157)