Bank of the Plains: 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 CRE concentration (Tier 1 capital + allowance): 4.85 percentage points higher than in Q1 2026, at 185.36%. Bank of the Plains ranks 70th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 81.42% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; Bank of the Plains reported 81.42% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $317.9M |
| Net loans and leases | $313.2M |
| Loans held for sale | $704K |
| Loans to total assets | 71.35% |
| Loan-to-deposit ratio | 81.42% |
| Net loans to equity capital | 7.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.20% |
| Multifamily (5+ residential) | 2.99% |
| Commercial and industrial | 15.77% |
| Consumer | 1.05% |
| Credit cards | 0.00% |
| Farm | 8.49% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 185.36% |
| Construction concentration (Tier 1 capital + allowance) | 79.31% |
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 | 6.93% |
| 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 | $249.9M | $351.8M | 24.39% | 19.08% | 2.49% |
| Q4 2023 | $270.4M | $354.1M | 22.76% | 18.14% | 2.29% |
| Q1 2024 | $275.3M | $365.2M | 21.97% | 17.25% | 2.17% |
| Q2 2024 | $284.5M | $360.5M | 21.97% | 16.46% | 2.01% |
| Q3 2024 | $293.0M | $356.9M | 21.76% | 18.07% | 1.78% |
| Q4 2024 | $314.7M | $351.6M | 20.18% | 16.43% | 1.58% |
| Q1 2025 | $310.8M | $377.4M | 20.33% | 15.92% | 1.57% |
| Q2 2025 | $309.9M | $385.8M | 20.77% | 15.88% | 1.47% |
| Q3 2025 | $316.5M | $383.9M | 19.92% | 15.29% | 1.42% |
| Q4 2025 | $322.8M | $389.4M | 19.40% | 17.81% | 1.36% |
| Q1 2026 | $306.4M | $391.7M | 18.82% | 17.76% | 1.18% |
| Q2 2026 | $317.9M | $390.5M | 20.20% | 15.77% | 1.05% |
Bank of the Plains loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Plains, 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 Plains profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18118) · FFIEC NIC profile (RSSD 302553)