Central Bank of Kansas City: 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 Loans to total assets: 1.61 percentage points lower than in Q1 2026, at 78.85%. Central Bank of Kansas City ranks 40th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 96.09% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Central Bank of Kansas City sits 15.25 points higher, at 96.09% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $323.4M |
| Net loans and leases | $319.4M |
| Loans held for sale | $0 |
| Loans to total assets | 78.85% |
| Loan-to-deposit ratio | 96.09% |
| Net loans to equity capital | 6.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 35.16% |
| Multifamily (5+ residential) | 6.49% |
| Commercial and industrial | 54.70% |
| Consumer | 0.02% |
| Credit cards | 0.00% |
| Farm | 0.60% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 280.92% |
| Construction concentration (Tier 1 capital + allowance) | 16.67% |
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 | 6.21% |
| Interest income on loans | $5.1M |
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 | $244.9M | $310.4M | 37.78% | 52.25% | 0.07% |
| Q4 2023 | $260.6M | $330.6M | 36.75% | 52.48% | 0.06% |
| Q1 2024 | $277.5M | $335.8M | 36.59% | 52.58% | 0.04% |
| Q2 2024 | $287.1M | $278.2M | 37.16% | 52.44% | 0.04% |
| Q3 2024 | $280.0M | $282.5M | 39.06% | 50.56% | 0.03% |
| Q4 2024 | $291.5M | $296.1M | 38.57% | 51.00% | 0.03% |
| Q1 2025 | $292.3M | $289.0M | 35.95% | 53.07% | 0.03% |
| Q2 2025 | $303.9M | $296.8M | 34.96% | 52.99% | 0.02% |
| Q3 2025 | $295.9M | $314.4M | 35.58% | 53.00% | 0.02% |
| Q4 2025 | $329.3M | $351.5M | 33.59% | 56.84% | 0.02% |
| Q1 2026 | $321.1M | $328.8M | 34.96% | 55.04% | 0.02% |
| Q2 2026 | $323.4M | $336.6M | 35.16% | 54.70% | 0.02% |
Central Bank of Kansas City loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Central Bank of Kansas City, 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 Central Bank of Kansas City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17009) · FFIEC NIC profile (RSSD 751852)