The City 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 Loan-to-deposit ratio: 1.89 percentage points higher than in Q1 2026, at 73.08%. The City State Bank ranks 102nd of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 73.08% (Q2 2026). The City State Bank reported 73.08% on loan-to-deposit ratio for Q2 2026, 5.16 points above the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $38.5M |
| Net loans and leases | $38.2M |
| Loans held for sale | $0 |
| Loans to total assets | 66.86% |
| Loan-to-deposit ratio | 73.08% |
| Net loans to equity capital | 8.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.20% |
| Multifamily (5+ residential) | 0.64% |
| Commercial and industrial | 6.10% |
| Consumer | 4.27% |
| Credit cards | 0.00% |
| Farm | 33.96% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 38.07% |
| Construction concentration (Tier 1 capital + allowance) | 5.18% |
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 | 6.63% |
| Interest income on loans | $610K |
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 | $32.7M | $48.1M | 2.82% | 5.34% | 5.37% |
| Q4 2023 | $32.7M | $48.7M | 2.76% | 4.88% | 5.07% |
| Q1 2024 | $33.2M | $48.9M | 2.64% | 4.60% | 4.72% |
| Q2 2024 | $34.2M | $47.2M | 2.49% | 4.27% | 5.02% |
| Q3 2024 | $33.3M | $46.4M | 2.63% | 4.42% | 5.47% |
| Q4 2024 | $34.8M | $47.6M | 2.47% | 4.84% | 5.48% |
| Q1 2025 | $34.3M | $49.7M | 2.93% | 4.69% | 5.05% |
| Q2 2025 | $33.9M | $49.7M | 3.02% | 4.61% | 5.63% |
| Q3 2025 | $35.9M | $50.0M | 4.57% | 4.28% | 5.36% |
| Q4 2025 | $36.3M | $48.3M | 4.17% | 5.49% | 5.10% |
| Q1 2026 | $37.3M | $52.4M | 4.44% | 6.06% | 4.52% |
| Q2 2026 | $38.5M | $52.7M | 4.20% | 6.10% | 4.27% |
The City State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The City 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 The City State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17607) · FFIEC NIC profile (RSSD 738657)