Community 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 7.67 percentage points in Q2 2026, from 193.27% to 185.60%. It was the largest change from Q1 2026 among the key lines here. Community Bank ranks 43rd of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 89.43% (Q2 2026). Community Bank reported 89.43% on loan-to-deposit ratio for Q2 2026, 8.87 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $145.7M |
| Net loans and leases | $144.1M |
| Loans held for sale | $0 |
| Loans to total assets | 77.17% |
| Loan-to-deposit ratio | 89.43% |
| Net loans to equity capital | 6.92% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.59% |
| Multifamily (5+ residential) | 5.42% |
| Commercial and industrial | 6.85% |
| Consumer | 1.13% |
| Credit cards | 0.00% |
| Farm | 0.56% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 185.60% |
| Construction concentration (Tier 1 capital + allowance) | 40.14% |
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 | 6.67% |
| Interest income on loans | $2.4M |
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 | $118.0M | $136.6M | 33.85% | 9.81% | 1.72% |
| Q4 2023 | $121.7M | $137.6M | 32.73% | 8.57% | 1.67% |
| Q1 2024 | $126.5M | $133.1M | 31.21% | 8.26% | 1.73% |
| Q2 2024 | $127.4M | $137.7M | 32.72% | 8.90% | 1.81% |
| Q3 2024 | $126.7M | $139.5M | 32.45% | 8.10% | 1.54% |
| Q4 2024 | $126.9M | $149.9M | 31.85% | 8.45% | 1.47% |
| Q1 2025 | $130.5M | $151.4M | 31.56% | 9.15% | 1.70% |
| Q2 2025 | $136.8M | $153.0M | 30.69% | 8.93% | 1.94% |
| Q3 2025 | $137.8M | $166.2M | 30.82% | 8.55% | 1.78% |
| Q4 2025 | $132.6M | $161.1M | 32.73% | 6.72% | 1.57% |
| Q1 2026 | $140.0M | $156.1M | 34.89% | 5.76% | 1.26% |
| Q2 2026 | $145.7M | $162.9M | 32.59% | 6.85% | 1.13% |
Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34020) · FFIEC NIC profile (RSSD 2304636)