CBW 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.
Consumer climbed 11.43 percentage points in Q2 2026, from 54.23% to 65.66%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, CBW Bank is 3rd from the bottom among 182 Kansas banks, 22.76% (Q2 2026). Against a median of 67.32% for banks in the < $100M asset tier, CBW Bank reported 22.76% on loan-to-deposit ratio in Q2 2026, 44.57 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $12.2M |
| Net loans and leases | $12.1M |
| Loans held for sale | $8.2M |
| Loans to total assets | 15.19% |
| Loan-to-deposit ratio | 22.76% |
| Net loans to equity capital | 0.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 30.33% |
| Consumer | 65.66% |
| Credit cards | 0.00% |
| Farm | 0.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 5.68% |
| Interest income on loans | $145K |
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 | $12.6M | $62.4M | 1.18% | 21.72% | 45.59% |
| Q4 2023 | $9.3M | $66.8M | 1.55% | 29.48% | 28.64% |
| Q1 2024 | $9.0M | $64.8M | 1.56% | 30.03% | 29.07% |
| Q2 2024 | $9.7M | $58.8M | 0.71% | 30.41% | 35.56% |
| Q3 2024 | $11.8M | $48.6M | 0.58% | 25.28% | 48.44% |
| Q4 2024 | $11.6M | $66.8M | 0.57% | 28.50% | 46.59% |
| Q1 2025 | $8.6M | $40.2M | 0.76% | 42.20% | 48.33% |
| Q2 2025 | $9.3M | $41.8M | 0.69% | 34.26% | 57.61% |
| Q3 2025 | $6.9M | $40.2M | 0.90% | 43.16% | 46.24% |
| Q4 2025 | $7.5M | $58.2M | 0.53% | 53.37% | 37.45% |
| Q1 2026 | $10.0M | $41.2M | 0.39% | 39.17% | 54.23% |
| Q2 2026 | $12.2M | $53.7M | 0.00% | 30.33% | 65.66% |
CBW Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock CBW 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 CBW Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13959) · FFIEC NIC profile (RSSD 71859)