The Bank of Tescott: 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): 7.05 percentage points lower than in Q1 2026, at 16.07%. Within Kansas, The Bank of Tescott is 56th of 182 on loan-to-deposit ratio, 85.24% as of Q2 2026, above the middle of the field. The Bank of Tescott reported 85.24% on loan-to-deposit ratio for Q2 2026, 4.40 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $489.5M |
| Net loans and leases | $483.0M |
| Loans held for sale | $0 |
| Loans to total assets | 75.50% |
| Loan-to-deposit ratio | 85.24% |
| Net loans to equity capital | 7.20% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.24% |
| Multifamily (5+ residential) | 0.91% |
| Commercial and industrial | 2.41% |
| Consumer | 1.94% |
| Credit cards | 0.00% |
| Farm | 41.50% |
| Loans to depository institutions | 0.27% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 60.36% |
| Construction concentration (Tier 1 capital + allowance) | 16.07% |
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 | 6.65% |
| Interest income on loans | $8.0M |
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 | $333.6M | $365.0M | 7.86% | 2.10% | 2.57% |
| Q4 2023 | $339.8M | $373.2M | 8.19% | 2.69% | 2.49% |
| Q1 2024 | $343.8M | $381.2M | 8.26% | 2.97% | 2.54% |
| Q2 2024 | $357.6M | $386.8M | 7.84% | 3.11% | 2.33% |
| Q3 2024 | $370.3M | $403.3M | 7.54% | 2.97% | 2.34% |
| Q4 2024 | $374.0M | $425.8M | 7.66% | 2.70% | 2.20% |
| Q1 2025 | $376.8M | $438.6M | 7.43% | 2.19% | 2.07% |
| Q2 2025 | $463.9M | $530.0M | 7.15% | 3.28% | 2.22% |
| Q3 2025 | $462.0M | $523.1M | 7.20% | 2.86% | 2.14% |
| Q4 2025 | $477.7M | $566.9M | 6.90% | 3.01% | 2.01% |
| Q1 2026 | $468.6M | $568.9M | 7.05% | 2.63% | 2.03% |
| Q2 2026 | $489.5M | $574.3M | 8.24% | 2.41% | 1.94% |
The Bank of Tescott loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Tescott, 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 Tescott profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1868) · FFIEC NIC profile (RSSD 54058)