Central National 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): 4.20 percentage points higher than in Q1 2026, at 32.32%. Within Kansas, Central National Bank is 123rd of 182 on loan-to-deposit ratio, 66.75% as of Q2 2026, below the middle of the field. Central National Bank reported 66.75% on loan-to-deposit ratio for Q2 2026, 21.45 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $799.5M |
| Net loans and leases | $784.9M |
| Loans held for sale | $5.1M |
| Loans to total assets | 57.57% |
| Loan-to-deposit ratio | 66.75% |
| Net loans to equity capital | 5.59% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.91% |
| Multifamily (5+ residential) | 3.36% |
| Commercial and industrial | 5.11% |
| Consumer | 1.93% |
| Credit cards | 0.00% |
| Farm | 23.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.61% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 141.33% |
| Construction concentration (Tier 1 capital + allowance) | 32.32% |
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 | 6.85% |
| Interest income on loans | $13.5M |
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 | $669.3M | $1.10B | 37.49% | 6.92% | 2.53% |
| Q4 2023 | $673.1M | $1.17B | 37.59% | 7.23% | 2.54% |
| Q1 2024 | $678.5M | $1.12B | 38.65% | 7.33% | 2.47% |
| Q2 2024 | $707.3M | $1.12B | 38.87% | 7.02% | 2.37% |
| Q3 2024 | $709.8M | $1.09B | 38.88% | 6.28% | 2.32% |
| Q4 2024 | $726.1M | $1.13B | 38.92% | 6.48% | 2.28% |
| Q1 2025 | $736.5M | $1.12B | 38.89% | 6.40% | 2.21% |
| Q2 2025 | $775.6M | $1.11B | 39.03% | 5.28% | 2.07% |
| Q3 2025 | $779.4M | $1.09B | 38.84% | 4.96% | 2.00% |
| Q4 2025 | $784.3M | $1.24B | 39.58% | 4.74% | 1.94% |
| Q1 2026 | $781.9M | $1.19B | 38.93% | 5.01% | 1.98% |
| Q2 2026 | $799.5M | $1.20B | 37.91% | 5.11% | 1.93% |
Central National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Central National 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 Central National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4702) · FFIEC NIC profile (RSSD 234355)