Equity 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.
Loans held for sale dropped 64.3% in Q2 2026, from $7.6M to $2.7M. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Equity Bank is 55th of 182 on loan-to-deposit ratio, 85.42% as of Q2 2026. Equity Bank reported 85.42% on loan-to-deposit ratio for Q2 2026, 2.78 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $5.41B |
| Net loans and leases | $5.34B |
| Loans held for sale | $2.7M |
| Loans to total assets | 70.11% |
| Loan-to-deposit ratio | 85.42% |
| Net loans to equity capital | 5.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.07% |
| Multifamily (5+ residential) | 4.59% |
| Commercial and industrial | 17.59% |
| Consumer | 1.15% |
| Credit cards | 0.04% |
| Farm | 7.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 238.16% |
| Construction concentration (Tier 1 capital + allowance) | 85.86% |
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 | 6.72% |
| Interest income on loans | $90.5M |
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 | $3.28B | $4.11B | 30.43% | 17.80% | 2.39% |
| Q4 2023 | $3.33B | $4.16B | 33.36% | 17.90% | 2.24% |
| Q1 2024 | $3.48B | $4.39B | 32.06% | 17.97% | 2.10% |
| Q2 2024 | $3.46B | $4.36B | 30.76% | 19.19% | 2.06% |
| Q3 2024 | $3.60B | $4.39B | 32.21% | 18.63% | 1.88% |
| Q4 2024 | $3.50B | $4.48B | 32.42% | 18.91% | 1.80% |
| Q1 2025 | $3.63B | $4.51B | 30.89% | 21.09% | 1.61% |
| Q2 2025 | $3.60B | $4.28B | 29.55% | 20.89% | 2.14% |
| Q3 2025 | $4.27B | $5.18B | 29.53% | 21.13% | 1.83% |
| Q4 2025 | $4.20B | $5.18B | 29.76% | 19.32% | 1.83% |
| Q1 2026 | $5.44B | $6.33B | 28.40% | 17.63% | 1.14% |
| Q2 2026 | $5.41B | $6.33B | 29.07% | 17.59% | 1.15% |
Equity Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Equity 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 Equity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25858) · FFIEC NIC profile (RSSD 139656)