The Denison State 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.
Loan-to-deposit ratio climbed 2.66 percentage points in Q2 2026, from 79.58% to 82.24%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, The Denison State Bank is 67th of 182 on loan-to-deposit ratio, 82.24% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio; The Denison State Bank reported 82.24% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $303.7M |
| Net loans and leases | $300.6M |
| Loans held for sale | $248K |
| Loans to total assets | 66.97% |
| Loan-to-deposit ratio | 82.24% |
| Net loans to equity capital | 4.02% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.66% |
| Multifamily (5+ residential) | 0.90% |
| Commercial and industrial | 15.67% |
| Consumer | 3.80% |
| Credit cards | 0.00% |
| Farm | 18.18% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 41.05% |
| Construction concentration (Tier 1 capital + allowance) | 25.81% |
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 | 7.05% |
| Interest income on loans | $5.4M |
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 | $268.3M | $342.1M | 15.49% | 17.45% | 3.51% |
| Q4 2023 | $271.0M | $363.2M | 14.99% | 17.03% | 3.46% |
| Q1 2024 | $276.0M | $363.0M | 14.55% | 16.64% | 3.57% |
| Q2 2024 | $280.9M | $370.4M | 14.05% | 16.73% | 3.59% |
| Q3 2024 | $283.7M | $365.9M | 14.04% | 16.25% | 3.81% |
| Q4 2024 | $294.7M | $383.0M | 13.69% | 15.14% | 3.83% |
| Q1 2025 | $297.1M | $382.2M | 13.65% | 14.65% | 4.01% |
| Q2 2025 | $296.9M | $375.7M | 13.52% | 15.64% | 4.29% |
| Q3 2025 | $296.4M | $369.2M | 13.65% | 16.23% | 4.21% |
| Q4 2025 | $308.8M | $383.5M | 12.92% | 15.69% | 3.96% |
| Q1 2026 | $305.5M | $383.9M | 13.13% | 15.64% | 4.01% |
| Q2 2026 | $303.7M | $369.3M | 13.66% | 15.67% | 3.80% |
The Denison State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Denison State 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 Denison State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15305) · FFIEC NIC profile (RSSD 869551)