Bendena 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 climbed 4.62 percentage points in Q2 2026, from 70.98% to 75.59%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Bendena State Bank is 92nd of 182 on loan-to-deposit ratio, 75.59% as of Q2 2026. Bendena State Bank reported 75.59% on loan-to-deposit ratio for Q2 2026, 4.96 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $86.7M |
| Net loans and leases | $85.8M |
| Loans held for sale | $0 |
| Loans to total assets | 65.95% |
| Loan-to-deposit ratio | 75.59% |
| Net loans to equity capital | 6.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.55% |
| Multifamily (5+ residential) | 0.66% |
| Commercial and industrial | 7.79% |
| Consumer | 3.34% |
| Credit cards | 0.00% |
| Farm | 27.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 35.35% |
| Construction concentration (Tier 1 capital + allowance) | 9.13% |
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 | 6.91% |
| Interest income on loans | $1.5M |
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 | $62.9M | $89.5M | 3.57% | 9.06% | 4.15% |
| Q4 2023 | $67.2M | $88.1M | 3.37% | 9.03% | 3.71% |
| Q1 2024 | $66.0M | $90.1M | 3.36% | 7.86% | 3.79% |
| Q2 2024 | $68.3M | $89.7M | 3.10% | 8.73% | 3.86% |
| Q3 2024 | $69.4M | $87.7M | 3.37% | 8.86% | 4.07% |
| Q4 2024 | $73.3M | $91.3M | 3.38% | 7.94% | 3.59% |
| Q1 2025 | $67.4M | $95.3M | 3.94% | 7.36% | 3.67% |
| Q2 2025 | $70.7M | $93.6M | 3.75% | 7.49% | 3.50% |
| Q3 2025 | $73.5M | $95.6M | 3.48% | 8.24% | 3.49% |
| Q4 2025 | $84.2M | $110.6M | 3.49% | 6.97% | 3.80% |
| Q1 2026 | $84.7M | $119.3M | 3.68% | 7.27% | 3.54% |
| Q2 2026 | $86.7M | $114.7M | 3.55% | 7.79% | 3.34% |
Bendena State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bendena 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 Bendena State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17410) · FFIEC NIC profile (RSSD 1008151)