Bank of the Flint Hills: 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 7.90 percentage points in Q2 2026, from 110.07% to 117.97%. It was the largest change from Q1 2026 among the key lines here. Bank of the Flint Hills ranks 35th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 91.37% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Bank of the Flint Hills sits 10.53 points higher, at 91.37% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $432.1M |
| Net loans and leases | $426.8M |
| Loans held for sale | $0 |
| Loans to total assets | 79.36% |
| Loan-to-deposit ratio | 91.37% |
| Net loans to equity capital | 10.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.55% |
| Multifamily (5+ residential) | 3.92% |
| Commercial and industrial | 16.34% |
| Consumer | 1.58% |
| Credit cards | 0.00% |
| Farm | 15.61% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 117.97% |
| Construction concentration (Tier 1 capital + allowance) | 56.60% |
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 | 6.73% |
| Interest income on loans | $7.0M |
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 | $334.3M | $365.8M | 21.06% | 15.45% | 2.38% |
| Q4 2023 | $337.5M | $385.0M | 21.18% | 13.84% | 2.22% |
| Q1 2024 | $339.2M | $391.8M | 22.13% | 14.86% | 2.12% |
| Q2 2024 | $342.9M | $388.9M | 19.90% | 14.63% | 2.03% |
| Q3 2024 | $334.5M | $393.2M | 20.40% | 14.43% | 2.01% |
| Q4 2024 | $351.8M | $410.3M | 19.00% | 14.54% | 1.95% |
| Q1 2025 | $367.5M | $399.0M | 18.87% | 15.98% | 1.82% |
| Q2 2025 | $380.0M | $425.2M | 16.93% | 17.10% | 1.80% |
| Q3 2025 | $395.5M | $440.7M | 18.68% | 15.76% | 1.91% |
| Q4 2025 | $401.8M | $458.2M | 17.70% | 15.39% | 1.70% |
| Q1 2026 | $399.0M | $469.9M | 14.49% | 16.38% | 1.69% |
| Q2 2026 | $432.1M | $473.0M | 14.55% | 16.34% | 1.58% |
Bank of the Flint Hills loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Flint Hills, 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 the Flint Hills profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4791) · FFIEC NIC profile (RSSD 552059)