The Bennington 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.
Cre concentration (tier 1 capital + allowance) dropped 8.55 percentage points in Q2 2026, from 115.75% to 107.20%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, The Bennington State Bank is 100th of 182 on loan-to-deposit ratio, 73.63% as of Q2 2026, below the middle of the field. The Bennington State Bank reported 73.63% on loan-to-deposit ratio for Q2 2026, 14.57 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $901.6M |
| Net loans and leases | $883.8M |
| Loans held for sale | $0 |
| Loans to total assets | 63.52% |
| Loan-to-deposit ratio | 73.63% |
| Net loans to equity capital | 6.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.97% |
| Multifamily (5+ residential) | 5.40% |
| Commercial and industrial | 12.00% |
| Consumer | 1.17% |
| Credit cards | 0.00% |
| Farm | 13.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 107.20% |
| Construction concentration (Tier 1 capital + allowance) | 42.43% |
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 | 6.98% |
| Interest income on loans | $15.6M |
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 | $666.5M | $841.5M | 24.43% | 12.02% | 0.98% |
| Q4 2023 | $673.1M | $841.3M | 24.93% | 11.08% | 0.85% |
| Q1 2024 | $662.2M | $835.5M | 25.30% | 11.78% | 0.86% |
| Q2 2024 | $655.6M | $823.0M | 25.75% | 11.38% | 0.87% |
| Q3 2024 | $647.5M | $816.2M | 25.98% | 11.21% | 0.92% |
| Q4 2024 | $751.2M | $1.01B | 26.56% | 11.77% | 1.43% |
| Q1 2025 | $762.4M | $956.9M | 26.06% | 12.82% | 1.37% |
| Q2 2025 | $779.6M | $943.8M | 25.21% | 13.63% | 1.24% |
| Q3 2025 | $793.7M | $986.9M | 26.26% | 13.18% | 1.20% |
| Q4 2025 | $821.8M | $1.07B | 26.22% | 12.39% | 1.03% |
| Q1 2026 | $828.2M | $1.06B | 24.95% | 12.12% | 0.99% |
| Q2 2026 | $901.6M | $1.22B | 21.97% | 12.00% | 1.17% |
The Bennington State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bennington 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 Bennington State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16402) · FFIEC NIC profile (RSSD 1016259)