Exchange Bank & Trust: 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.
Construction concentration (Tier 1 capital + allowance) dropped 8.09 percentage points in Q2 2026, from 29.97% to 21.88%. It was the largest change from Q1 2026 among the key lines here. Exchange Bank & Trust ranks 119th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 67.74% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Exchange Bank & Trust sits 12.82 points lower, at 67.74% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $365.6M |
| Net loans and leases | $360.3M |
| Loans held for sale | $0 |
| Loans to total assets | 58.33% |
| Loan-to-deposit ratio | 67.74% |
| Net loans to equity capital | 4.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.22% |
| Multifamily (5+ residential) | 4.07% |
| Commercial and industrial | 9.45% |
| Consumer | 17.62% |
| Credit cards | 0.00% |
| Farm | 18.88% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 49.49% |
| Construction concentration (Tier 1 capital + allowance) | 21.88% |
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 | 6.80% |
| Interest income on loans | $6.1M |
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 | $388.1M | $495.6M | 9.41% | 8.66% | 24.00% |
| Q4 2023 | $384.9M | $512.5M | 9.24% | 7.67% | 23.64% |
| Q1 2024 | $381.8M | $497.6M | 8.92% | 8.39% | 23.01% |
| Q2 2024 | $386.3M | $485.9M | 9.72% | 8.49% | 23.05% |
| Q3 2024 | $390.7M | $490.2M | 9.09% | 8.45% | 22.01% |
| Q4 2024 | $392.4M | $519.2M | 9.13% | 8.71% | 20.63% |
| Q1 2025 | $384.2M | $525.5M | 9.09% | 8.55% | 19.71% |
| Q2 2025 | $390.9M | $516.7M | 9.05% | 9.54% | 18.50% |
| Q3 2025 | $385.8M | $510.8M | 9.08% | 8.71% | 17.85% |
| Q4 2025 | $377.9M | $543.5M | 8.74% | 9.64% | 17.44% |
| Q1 2026 | $366.1M | $542.4M | 8.58% | 8.87% | 17.55% |
| Q2 2026 | $365.6M | $539.7M | 7.22% | 9.45% | 17.62% |
Exchange Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange Bank & Trust, 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 Exchange Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4619) · FFIEC NIC profile (RSSD 144052)