Community First National 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 Loans held for sale: 71.2% lower than in Q1 2026, at $2.6M. Community First National Bank ranks 42nd of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 89.62% (Q2 2026). Community First National Bank reported 89.62% on loan-to-deposit ratio for Q2 2026, 8.79 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $292.8M |
| Net loans and leases | $287.8M |
| Loans held for sale | $2.6M |
| Loans to total assets | 78.15% |
| Loan-to-deposit ratio | 89.62% |
| Net loans to equity capital | 7.08% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.44% |
| Multifamily (5+ residential) | 8.66% |
| Commercial and industrial | 11.50% |
| Consumer | 1.99% |
| Credit cards | 0.00% |
| Farm | 2.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 217.99% |
| Construction concentration (Tier 1 capital + allowance) | 39.09% |
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 | 6.44% |
| Interest income on loans | $3.5M |
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 | $250.1M | $277.6M | 29.41% | 10.63% | 1.94% |
| Q4 2023 | $259.9M | $276.8M | 29.70% | 10.02% | 1.96% |
| Q1 2024 | $260.1M | $284.8M | 29.61% | 10.32% | 1.73% |
| Q2 2024 | $278.1M | $295.5M | 29.70% | 9.83% | 1.70% |
| Q3 2024 | $276.2M | $306.0M | 30.60% | 9.72% | 1.82% |
| Q4 2024 | $276.3M | $298.0M | 30.03% | 10.33% | 1.73% |
| Q1 2025 | $281.1M | $309.3M | 30.05% | 12.51% | 2.18% |
| Q2 2025 | $276.4M | $312.8M | 30.47% | 12.26% | 2.20% |
| Q3 2025 | $279.9M | $319.0M | 31.23% | 11.33% | 2.17% |
| Q4 2025 | $287.7M | $316.2M | 30.16% | 12.19% | 2.23% |
| Q1 2026 | $295.6M | $320.9M | 27.98% | 11.43% | 2.29% |
| Q2 2026 | $292.8M | $326.7M | 28.44% | 11.50% | 1.99% |
Community First National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community First National 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 First National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35585) · FFIEC NIC profile (RSSD 2907019)