The Baxter State Bank: 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.
Loan-to-deposit ratio dropped 3.18 percentage points in Q2 2026, from 67.27% to 64.09%. It was the largest change from Q1 2026 among the key lines here. The Baxter State Bank ranks 130th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 64.09% (Q2 2026). The Baxter State Bank reported 64.09% on loan-to-deposit ratio for Q2 2026, 3.24 points below the 67.32% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $12.3M |
| Net loans and leases | $12.1M |
| Loans held for sale | $0 |
| Loans to total assets | 49.01% |
| Loan-to-deposit ratio | 64.09% |
| Net loans to equity capital | 2.43% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.07% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.79% |
| Consumer | 14.50% |
| Credit cards | 0.00% |
| Farm | 1.99% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 17.30% |
| Construction concentration (Tier 1 capital + allowance) | 10.03% |
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 | 8.34% |
| Interest income on loans | $254K |
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 | $12.0M | $17.8M | 5.06% | 7.26% | 18.01% |
| Q4 2023 | $12.6M | $17.5M | 5.08% | 6.62% | 19.02% |
| Q1 2024 | $12.8M | $17.0M | 4.85% | 7.56% | 19.26% |
| Q2 2024 | $13.2M | $16.9M | 4.56% | 6.42% | 18.63% |
| Q3 2024 | $13.3M | $18.2M | 4.38% | 6.30% | 18.68% |
| Q4 2024 | $13.3M | $17.3M | 4.24% | 6.87% | 18.57% |
| Q1 2025 | $13.0M | $17.0M | 4.17% | 7.16% | 17.11% |
| Q2 2025 | $13.2M | $16.5M | 3.95% | 6.89% | 16.19% |
| Q3 2025 | $13.2M | $18.0M | 3.79% | 5.90% | 17.01% |
| Q4 2025 | $13.0M | $18.1M | 3.68% | 6.92% | 15.43% |
| Q1 2026 | $12.9M | $19.2M | 3.09% | 9.09% | 14.32% |
| Q2 2026 | $12.3M | $19.2M | 3.07% | 8.79% | 14.50% |
The Baxter State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Baxter State Bank, 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 Baxter State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12432) · FFIEC NIC profile (RSSD 1000856)