Bankers' Bank of Kansas: 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.
Construction concentration (tier 1 capital + allowance) climbed 12.58 percentage points in Q2 2026, from 35.23% to 47.81%. It was the largest change from Q1 2026 among the key lines here. Among 182 Kansas banks, Bankers' Bank of Kansas sits 2nd from the top on loan-to-deposit ratio, 132.81% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, Bankers' Bank of Kansas reported 132.81% on loan-to-deposit ratio in Q2 2026, 51.97 points higher.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $173.2M |
| Net loans and leases | $170.1M |
| Loans held for sale | $0 |
| Loans to total assets | 67.74% |
| Loan-to-deposit ratio | 132.81% |
| Net loans to equity capital | 4.65% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.99% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 17.49% |
| Consumer | 13.94% |
| Credit cards | 13.90% |
| Farm | 3.94% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.24% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 100.39% |
| Construction concentration (Tier 1 capital + allowance) | 47.81% |
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 | 6.88% |
| Interest income on loans | $2.9M |
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 | $137.6M | $130.6M | 17.71% | 21.38% | 18.79% |
| Q4 2023 | $138.7M | $125.0M | 19.94% | 20.74% | 19.43% |
| Q1 2024 | $136.5M | $119.7M | 20.39% | 21.65% | 18.41% |
| Q2 2024 | $141.9M | $115.2M | 18.99% | 25.36% | 17.60% |
| Q3 2024 | $139.3M | $113.9M | 21.38% | 23.60% | 18.15% |
| Q4 2024 | $145.2M | $125.2M | 22.46% | 23.05% | 18.10% |
| Q1 2025 | $137.0M | $126.1M | 21.52% | 22.62% | 18.03% |
| Q2 2025 | $141.7M | $114.3M | 23.41% | 24.31% | 17.60% |
| Q3 2025 | $146.0M | $109.0M | 22.65% | 23.85% | 16.86% |
| Q4 2025 | $154.4M | $134.0M | 22.55% | 22.23% | 16.62% |
| Q1 2026 | $168.7M | $124.9M | 22.72% | 21.59% | 14.15% |
| Q2 2026 | $173.2M | $130.4M | 19.99% | 17.49% | 13.94% |
Bankers' Bank of Kansas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bankers' Bank of Kansas, 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 Bankers' Bank of Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27351) · FFIEC NIC profile (RSSD 1218446)