Dickinson County 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 Construction concentration (Tier 1 capital + allowance): 12.49 percentage points higher than in Q1 2026, at 40.47%. Within Kansas, Dickinson County Bank is 93rd of 182 on loan-to-deposit ratio, 75.35% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Dickinson County Bank sits 7.73 points higher, at 75.35% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $14.7M |
| Net loans and leases | $14.3M |
| Loans held for sale | $0 |
| Loans to total assets | 62.70% |
| Loan-to-deposit ratio | 75.35% |
| Net loans to equity capital | 4.68% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.29% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 21.35% |
| Consumer | 5.94% |
| Credit cards | 0.00% |
| Farm | 6.34% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 59.05% |
| Construction concentration (Tier 1 capital + allowance) | 40.47% |
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 | 8.10% |
| Interest income on loans | $291K |
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 | $12.9M | $16.3M | 0.54% | 17.27% | 7.33% |
| Q4 2023 | $13.4M | $15.3M | 0.51% | 18.50% | 7.43% |
| Q1 2024 | $12.6M | $17.0M | 4.65% | 16.69% | 7.88% |
| Q2 2024 | $12.4M | $17.3M | 3.94% | 20.02% | 8.54% |
| Q3 2024 | $13.4M | $16.9M | 5.09% | 11.21% | 6.66% |
| Q4 2024 | $13.4M | $16.1M | 5.04% | 14.95% | 6.20% |
| Q1 2025 | $13.9M | $17.5M | 4.86% | 18.08% | 5.91% |
| Q2 2025 | $12.7M | $17.4M | 5.26% | 21.55% | 6.13% |
| Q3 2025 | $13.1M | $17.2M | 5.08% | 23.33% | 6.19% |
| Q4 2025 | $13.9M | $17.0M | 4.78% | 19.98% | 5.13% |
| Q1 2026 | $14.3M | $17.2M | 4.63% | 20.68% | 5.39% |
| Q2 2026 | $14.7M | $19.4M | 4.29% | 21.35% | 5.94% |
Dickinson County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Dickinson County 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 Dickinson County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12425) · FFIEC NIC profile (RSSD 981350)