Community 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.
Cre concentration (tier 1 capital + allowance) dropped 13.74 percentage points in Q2 2026, from 127.09% to 113.36%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Community National Bank is 159th of 182 on loan-to-deposit ratio, 49.70% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Community National Bank sits 31.14 points lower, at 49.70% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $384.0M |
| Net loans and leases | $379.1M |
| Loans held for sale | $242K |
| Loans to total assets | 45.01% |
| Loan-to-deposit ratio | 49.70% |
| Net loans to equity capital | 6.47% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 34.44% |
| Multifamily (5+ residential) | 3.56% |
| Commercial and industrial | 11.56% |
| Consumer | 0.76% |
| Credit cards | 0.00% |
| Farm | 6.26% |
| Loans to depository institutions | 0.78% |
| State and political subdivisions | 2.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 113.36% |
| Construction concentration (Tier 1 capital + allowance) | 27.05% |
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 | 6.71% |
| Interest income on loans | $6.5M |
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 | $367.9M | $710.0M | 30.23% | 14.17% | 1.10% |
| Q4 2023 | $381.5M | $726.8M | 30.21% | 15.14% | 0.99% |
| Q1 2024 | $380.5M | $749.0M | 29.99% | 14.66% | 0.89% |
| Q2 2024 | $389.8M | $778.4M | 29.42% | 13.69% | 0.89% |
| Q3 2024 | $402.2M | $769.6M | 29.53% | 13.30% | 0.95% |
| Q4 2024 | $407.0M | $796.4M | 30.23% | 12.50% | 0.88% |
| Q1 2025 | $412.0M | $786.6M | 32.55% | 11.56% | 0.85% |
| Q2 2025 | $407.9M | $781.4M | 32.62% | 11.19% | 0.87% |
| Q3 2025 | $415.5M | $776.6M | 32.50% | 12.17% | 0.81% |
| Q4 2025 | $416.7M | $806.5M | 32.72% | 11.82% | 0.81% |
| Q1 2026 | $398.5M | $810.3M | 33.05% | 10.82% | 0.70% |
| Q2 2026 | $384.0M | $772.6M | 34.44% | 11.56% | 0.76% |
Community National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25665) · FFIEC NIC profile (RSSD 354552)