The 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 10.76 percentage points in Q2 2026, from 101.84% to 91.07%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, The Community Bank is 143rd of 182 on loan-to-deposit ratio, 59.15% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. The Community Bank sits 21.79 points lower, at 59.15% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $90.1M |
| Net loans and leases | $88.7M |
| Loans held for sale | $0 |
| Loans to total assets | 51.89% |
| Loan-to-deposit ratio | 59.15% |
| Net loans to equity capital | 4.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 43.66% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 14.56% |
| Consumer | 23.69% |
| Credit cards | 0.00% |
| Farm | 10.74% |
| Loans to depository institutions | 1.11% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 91.07% |
| Construction concentration (Tier 1 capital + allowance) | 8.19% |
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 | 7.12% |
| Interest income on loans | $1.6M |
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 | $81.6M | $145.6M | 50.41% | 11.59% | 23.90% |
| Q4 2023 | $81.7M | $149.7M | 51.13% | 11.06% | 24.89% |
| Q1 2024 | $84.7M | $150.4M | 52.42% | 11.16% | 24.34% |
| Q2 2024 | $90.4M | $148.2M | 51.74% | 11.42% | 22.79% |
| Q3 2024 | $87.7M | $144.4M | 53.04% | 9.01% | 23.08% |
| Q4 2024 | $89.8M | $149.7M | 52.02% | 9.29% | 23.26% |
| Q1 2025 | $91.2M | $146.5M | 51.81% | 10.07% | 22.39% |
| Q2 2025 | $93.0M | $147.4M | 51.52% | 9.80% | 22.72% |
| Q3 2025 | $90.6M | $151.5M | 50.59% | 8.98% | 23.40% |
| Q4 2025 | $92.9M | $152.7M | 49.45% | 9.63% | 22.74% |
| Q1 2026 | $88.2M | $156.9M | 46.41% | 12.97% | 23.87% |
| Q2 2026 | $90.1M | $152.2M | 43.66% | 14.56% | 23.69% |
The Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34666) · FFIEC NIC profile (RSSD 2621940)