Commercial 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): 3.14 percentage points lower than in Q1 2026, at 10.33%. Commercial Bank ranks 161st of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 49.41% (Q2 2026). Commercial Bank reported 49.41% on loan-to-deposit ratio for Q2 2026, 31.14 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $175.0M |
| Net loans and leases | $172.7M |
| Loans held for sale | $0 |
| Loans to total assets | 45.79% |
| Loan-to-deposit ratio | 49.41% |
| Net loans to equity capital | 6.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.21% |
| Multifamily (5+ residential) | 4.14% |
| Commercial and industrial | 18.70% |
| Consumer | 12.14% |
| Credit cards | 0.00% |
| Farm | 5.34% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 6.15% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 42.42% |
| Construction concentration (Tier 1 capital + allowance) | 10.33% |
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 | 6.19% |
| Interest income on loans | $2.7M |
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 | $176.1M | $323.2M | 8.12% | 22.75% | 16.92% |
| Q4 2023 | $173.9M | $329.6M | 7.85% | 21.76% | 16.60% |
| Q1 2024 | $171.2M | $323.5M | 7.86% | 21.21% | 16.19% |
| Q2 2024 | $176.3M | $326.8M | 7.48% | 20.24% | 15.02% |
| Q3 2024 | $177.2M | $313.7M | 7.35% | 19.80% | 14.83% |
| Q4 2024 | $169.8M | $333.8M | 7.43% | 17.75% | 14.98% |
| Q1 2025 | $170.2M | $344.8M | 7.33% | 18.17% | 14.57% |
| Q2 2025 | $170.7M | $339.4M | 6.79% | 18.69% | 14.04% |
| Q3 2025 | $173.0M | $331.3M | 6.64% | 20.00% | 13.18% |
| Q4 2025 | $172.6M | $343.7M | 6.60% | 20.33% | 13.24% |
| Q1 2026 | $176.5M | $353.3M | 8.05% | 20.21% | 12.98% |
| Q2 2026 | $175.0M | $354.2M | 8.21% | 18.70% | 12.14% |
Commercial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial 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 Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11777) · FFIEC NIC profile (RSSD 296559)