Elk 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.59 percentage points higher than in Q1 2026, at 71.35%. Elk State Bank ranks 107th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 71.35% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Elk State Bank sits 9.49 points lower, at 71.35% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $77.8M |
| Net loans and leases | $76.8M |
| Loans held for sale | $0 |
| Loans to total assets | 56.10% |
| Loan-to-deposit ratio | 71.35% |
| Net loans to equity capital | 7.69% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.51% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.25% |
| Consumer | 1.08% |
| Credit cards | 0.00% |
| Farm | 25.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 30.13% |
| Construction concentration (Tier 1 capital + allowance) | 1.26% |
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 | 6.81% |
| Interest income on loans | $1.3M |
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 | $61.5M | $92.2M | 6.45% | 9.48% | 1.68% |
| Q4 2023 | $67.1M | $95.8M | 6.47% | 8.63% | 1.83% |
| Q1 2024 | $64.8M | $99.9M | 6.99% | 7.94% | 1.67% |
| Q2 2024 | $66.8M | $94.3M | 7.17% | 8.45% | 1.60% |
| Q3 2024 | $68.8M | $100.7M | 8.16% | 7.67% | 1.93% |
| Q4 2024 | $70.1M | $96.8M | 7.94% | 8.32% | 1.74% |
| Q1 2025 | $69.1M | $101.2M | 9.30% | 7.56% | 1.57% |
| Q2 2025 | $69.2M | $99.3M | 9.72% | 7.95% | 1.84% |
| Q3 2025 | $68.0M | $98.5M | 10.06% | 7.94% | 1.84% |
| Q4 2025 | $76.3M | $100.4M | 9.54% | 7.23% | 1.56% |
| Q1 2026 | $77.1M | $113.8M | 7.46% | 9.11% | 1.39% |
| Q2 2026 | $77.8M | $109.0M | 7.51% | 9.25% | 1.08% |
Elk State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Elk 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 Elk State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15259) · FFIEC NIC profile (RSSD 679451)