Community Bank of Wichita, Inc.: 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 Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 12.32 percentage points lower than in Q2 2026, at 140.16%. Within Kansas, Community Bank of Wichita, Inc. is 67th of 182 on loan-to-deposit ratio, 81.88% as of Q3 2026, above the middle of the field. At 81.88%, Community Bank of Wichita, Inc.'s loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $98.2M |
| Net loans and leases | $97.0M |
| Loans held for sale | $0 |
| Loans to total assets | 75.26% |
| Loan-to-deposit ratio | 81.88% |
| Net loans to equity capital | 9.71% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.32% |
| Multifamily (5+ residential) | 0.18% |
| Commercial and industrial | 17.31% |
| Consumer | 5.40% |
| Credit cards | 0.00% |
| Farm | 2.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 140.16% |
| Construction concentration (Tier 1 capital + allowance) | 92.67% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 7.54% |
| Interest income on loans | $1.9M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $88.4M | $89.8M | 24.49% | 20.53% | 5.03% |
| Q1 2024 | $88.1M | $95.8M | 24.03% | 20.37% | 4.76% |
| Q2 2024 | $86.8M | $98.1M | 23.70% | 17.65% | 6.61% |
| Q3 2024 | $84.4M | $99.8M | 23.21% | 18.51% | 6.99% |
| Q4 2024 | $84.5M | $99.0M | 24.11% | 16.43% | 7.33% |
| Q1 2025 | $85.5M | $104.7M | 25.89% | 16.06% | 7.02% |
| Q2 2025 | $91.1M | $107.1M | 24.10% | 14.97% | 8.51% |
| Q3 2025 | $93.7M | $111.5M | 22.31% | 17.41% | 5.96% |
| Q4 2025 | $98.0M | $111.5M | 20.14% | 16.75% | 5.48% |
| Q1 2026 | $99.7M | $115.6M | 20.77% | 16.08% | 5.23% |
| Q2 2026 | $103.8M | $117.6M | 21.80% | 15.41% | 4.97% |
| Q3 2026 | $98.2M | $120.0M | 22.32% | 17.31% | 5.40% |
Community Bank of Wichita, Inc. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Wichita, Inc., 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 of Wichita, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35118) · FFIEC NIC profile (RSSD 2775692)