Elevate Bank, N.A.: 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 CRE concentration (Tier 1 capital + allowance): 49.04 percentage points lower than in Q1 2026, at 330.15%. Within Kansas, Elevate Bank, N.A. is 64th of 182 on loan-to-deposit ratio, 82.82% as of Q2 2026, above the middle of the field. Elevate Bank, N.A. reported 82.82% on loan-to-deposit ratio for Q2 2026, 14.90 points above the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $43.9M |
| Net loans and leases | $43.5M |
| Loans held for sale | $0 |
| Loans to total assets | 71.99% |
| Loan-to-deposit ratio | 82.82% |
| Net loans to equity capital | 5.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 58.96% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 14.15% |
| Consumer | 1.92% |
| Credit cards | 0.00% |
| Farm | 8.36% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 330.15% |
| Construction concentration (Tier 1 capital + allowance) | 18.36% |
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 | 7.16% |
| Interest income on loans | $800K |
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 | $24.4M | $50.2M | 26.03% | 17.53% | 4.02% |
| Q4 2023 | $25.1M | $45.6M | 31.69% | 18.20% | 3.47% |
| Q1 2024 | $24.9M | $46.9M | 30.87% | 18.21% | 3.94% |
| Q2 2024 | $27.9M | $47.1M | 32.23% | 17.94% | 3.79% |
| Q3 2024 | $29.2M | $45.2M | 33.43% | 15.94% | 3.50% |
| Q4 2024 | $30.4M | $47.5M | 40.47% | 11.94% | 3.21% |
| Q1 2025 | $31.5M | $47.5M | 44.32% | 11.85% | 2.92% |
| Q2 2025 | $33.5M | $47.7M | 45.18% | 10.89% | 2.94% |
| Q3 2025 | $36.5M | $48.4M | 55.04% | 7.33% | 3.04% |
| Q4 2025 | $44.7M | $50.6M | 46.78% | 21.78% | 2.44% |
| Q1 2026 | $45.4M | $55.3M | 63.99% | 7.98% | 2.10% |
| Q2 2026 | $43.9M | $53.0M | 58.96% | 14.15% | 1.92% |
Elevate Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Elevate Bank, N.A., 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 Elevate Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4770) · FFIEC NIC profile (RSSD 195157)