Centera 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 3.56 percentage points in Q2 2026, from 73.96% to 70.40%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Centera Bank is 155th of 182 on loan-to-deposit ratio, 51.79% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Centera Bank sits 28.77 points lower, at 51.79% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $150.5M |
| Net loans and leases | $148.9M |
| Loans held for sale | $0 |
| Loans to total assets | 47.30% |
| Loan-to-deposit ratio | 51.79% |
| Net loans to equity capital | 5.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.28% |
| Multifamily (5+ residential) | 2.00% |
| Commercial and industrial | 12.01% |
| Consumer | 2.66% |
| Credit cards | 0.00% |
| Farm | 24.80% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 70.40% |
| Construction concentration (Tier 1 capital + allowance) | 12.39% |
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 | 6.70% |
| Interest income on loans | $2.5M |
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 | $141.6M | $286.7M | 14.04% | 9.23% | 2.78% |
| Q4 2023 | $141.9M | $297.4M | 13.43% | 8.80% | 2.76% |
| Q1 2024 | $138.8M | $296.3M | 13.45% | 9.18% | 2.73% |
| Q2 2024 | $147.2M | $285.3M | 12.95% | 9.21% | 2.67% |
| Q3 2024 | $152.3M | $291.5M | 12.51% | 8.95% | 2.54% |
| Q4 2024 | $150.9M | $292.9M | 11.00% | 9.83% | 2.67% |
| Q1 2025 | $148.3M | $309.9M | 13.51% | 10.47% | 2.51% |
| Q2 2025 | $151.8M | $298.4M | 12.77% | 9.55% | 2.57% |
| Q3 2025 | $155.2M | $287.8M | 12.96% | 9.52% | 2.56% |
| Q4 2025 | $156.1M | $293.5M | 12.92% | 10.87% | 2.62% |
| Q1 2026 | $149.9M | $301.8M | 13.54% | 10.33% | 2.65% |
| Q2 2026 | $150.5M | $290.5M | 13.28% | 12.01% | 2.66% |
Centera Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Centera 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 Centera Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16436) · FFIEC NIC profile (RSSD 51459)