Exchange 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.
Commercial and industrial dropped 2.11 percentage points in Q2 2026, from 18.18% to 16.07%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Exchange State Bank is 80th of 182 on loan-to-deposit ratio, 78.02% as of Q2 2026. Exchange State Bank reported 78.02% on loan-to-deposit ratio for Q2 2026, 2.53 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $68.8M |
| Net loans and leases | $67.9M |
| Loans held for sale | $0 |
| Loans to total assets | 65.46% |
| Loan-to-deposit ratio | 78.02% |
| Net loans to equity capital | 5.55% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.43% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 16.07% |
| Consumer | 4.38% |
| Credit cards | 0.00% |
| Farm | 18.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.54% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 19.10% |
| Construction concentration (Tier 1 capital + allowance) | 0.64% |
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 | 7.51% |
| 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 | $51.2M | $76.7M | 10.78% | 17.00% | 4.42% |
| Q4 2023 | $51.4M | $80.4M | 10.86% | 16.35% | 4.24% |
| Q1 2024 | $52.0M | $78.5M | 10.54% | 15.79% | 4.30% |
| Q2 2024 | $54.3M | $78.5M | 9.98% | 17.45% | 4.07% |
| Q3 2024 | $57.2M | $83.5M | 11.40% | 18.80% | 3.83% |
| Q4 2024 | $57.4M | $86.3M | 12.33% | 14.60% | 4.06% |
| Q1 2025 | $58.1M | $86.6M | 11.98% | 14.45% | 4.05% |
| Q2 2025 | $59.3M | $87.4M | 12.29% | 14.59% | 3.88% |
| Q3 2025 | $63.0M | $88.4M | 11.81% | 15.56% | 3.65% |
| Q4 2025 | $66.1M | $88.3M | 11.01% | 13.49% | 4.25% |
| Q1 2026 | $67.8M | $88.6M | 10.13% | 18.18% | 3.54% |
| Q2 2026 | $68.8M | $88.1M | 10.43% | 16.07% | 4.38% |
Exchange State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange 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 Exchange State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14556) · FFIEC NIC profile (RSSD 534859)