Bison 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.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 22.29 percentage points lower than in Q1 2026, at 45.88%. Among 182 Kansas banks, Bison State Bank sits 16th from the top on loan-to-deposit ratio, 100.10% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Bison State Bank sits 19.54 points higher, at 100.10% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $99.1M |
| Net loans and leases | $98.2M |
| Loans held for sale | $13.6M |
| Loans to total assets | 78.76% |
| Loan-to-deposit ratio | 100.10% |
| Net loans to equity capital | 7.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.46% |
| Multifamily (5+ residential) | 0.98% |
| Commercial and industrial | 6.58% |
| Consumer | 0.86% |
| Credit cards | 0.00% |
| Farm | 2.47% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 364.02% |
| Construction concentration (Tier 1 capital + allowance) | 45.88% |
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 | 7.78% |
| Interest income on loans | $2.0M |
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 | $50.5M | $46.5M | 20.03% | 5.56% | 4.32% |
| Q4 2023 | $58.3M | $55.8M | 16.50% | 5.72% | 12.90% |
| Q1 2024 | $59.0M | $62.9M | 16.18% | 9.01% | 12.37% |
| Q2 2024 | $72.9M | $77.5M | 25.78% | 4.72% | 17.56% |
| Q3 2024 | $77.1M | $81.4M | 22.58% | 7.47% | 16.87% |
| Q4 2024 | $66.1M | $83.3M | 23.46% | 6.92% | 14.45% |
| Q1 2025 | $76.5M | $84.5M | 31.88% | 5.43% | 9.03% |
| Q2 2025 | $71.6M | $91.0M | 36.05% | 4.14% | 5.17% |
| Q3 2025 | $92.5M | $90.8M | 37.56% | 3.26% | 2.13% |
| Q4 2025 | $98.4M | $97.6M | 41.46% | 3.02% | 1.39% |
| Q1 2026 | $117.4M | $101.5M | 35.72% | 2.44% | 0.44% |
| Q2 2026 | $99.1M | $99.0M | 43.46% | 6.58% | 0.86% |
Bison State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bison 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 Bison State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14083) · FFIEC NIC profile (RSSD 354)