Community National Bank & Trust: 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 Construction concentration (Tier 1 capital + allowance): 1.80 percentage points higher than in Q1 2026, at 45.91%. Within Kansas, Community National Bank & Trust is 86th of 182 on loan-to-deposit ratio, 76.81% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Community National Bank & Trust sits 11.39 points lower, at 76.81% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.70B |
| Net loans and leases | $1.68B |
| Loans held for sale | $2.1M |
| Loans to total assets | 67.06% |
| Loan-to-deposit ratio | 76.81% |
| Net loans to equity capital | 7.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.38% |
| Multifamily (5+ residential) | 3.19% |
| Commercial and industrial | 13.76% |
| Consumer | 3.31% |
| Credit cards | 0.16% |
| Farm | 11.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.50% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 136.58% |
| Construction concentration (Tier 1 capital + allowance) | 45.91% |
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 | 7.25% |
| Interest income on loans | $30.5M |
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 | $1.32B | $1.80B | 24.01% | 12.39% | 4.20% |
| Q4 2023 | $1.37B | $1.85B | 23.67% | 13.22% | 4.04% |
| Q1 2024 | $1.40B | $1.89B | 24.06% | 13.54% | 3.94% |
| Q2 2024 | $1.45B | $1.91B | 23.97% | 13.01% | 3.89% |
| Q3 2024 | $1.46B | $1.92B | 24.32% | 13.57% | 3.94% |
| Q4 2024 | $1.50B | $1.93B | 23.48% | 13.78% | 3.82% |
| Q1 2025 | $1.51B | $1.97B | 25.11% | 13.98% | 3.74% |
| Q2 2025 | $1.53B | $1.99B | 24.24% | 14.72% | 3.68% |
| Q3 2025 | $1.60B | $2.08B | 23.89% | 14.27% | 3.64% |
| Q4 2025 | $1.64B | $2.15B | 23.44% | 13.83% | 3.53% |
| Q1 2026 | $1.67B | $2.19B | 23.58% | 13.82% | 3.39% |
| Q2 2026 | $1.70B | $2.21B | 23.38% | 13.76% | 3.31% |
Community National Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community National Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27046) · FFIEC NIC profile (RSSD 923752)