The Farmers State Bank of Bucklin, Kansas: 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: 3.04 percentage points higher than in Q1 2026, at 66.94%. The Farmers State Bank of Bucklin, Kansas ranks 121st of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 66.94% (Q2 2026). At 66.94%, The Farmers State Bank of Bucklin, Kansas's loan-to-deposit ratio is close to the 67.62% median for banks in the < $100M asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $34.9M |
| Net loans and leases | $34.3M |
| Loans held for sale | $0 |
| Loans to total assets | 57.33% |
| Loan-to-deposit ratio | 66.94% |
| Net loans to equity capital | 4.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.60% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.52% |
| Consumer | 2.82% |
| Credit cards | 0.00% |
| Farm | 28.79% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.66% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 10.89% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 5.71% |
| Interest income on loans | $481K |
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 | $29.6M | $53.2M | 5.09% | 9.77% | 2.58% |
| Q4 2023 | $29.3M | $55.5M | 4.82% | 9.79% | 2.68% |
| Q1 2024 | $27.3M | $51.2M | 5.14% | 10.90% | 3.16% |
| Q2 2024 | $29.8M | $50.6M | 4.56% | 10.83% | 3.39% |
| Q3 2024 | $31.1M | $48.6M | 4.48% | 10.37% | 3.32% |
| Q4 2024 | $33.2M | $52.4M | 5.07% | 8.92% | 3.31% |
| Q1 2025 | $31.2M | $49.5M | 5.60% | 9.45% | 3.42% |
| Q2 2025 | $31.4M | $51.3M | 5.67% | 9.08% | 3.63% |
| Q3 2025 | $31.7M | $58.0M | 6.31% | 10.30% | 3.53% |
| Q4 2025 | $33.6M | $57.6M | 5.90% | 9.50% | 3.38% |
| Q1 2026 | $31.6M | $49.4M | 6.24% | 9.74% | 3.44% |
| Q2 2026 | $34.9M | $52.1M | 5.60% | 9.52% | 2.82% |
The Farmers State Bank of Bucklin, Kansas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers State Bank of Bucklin, Kansas, 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 The Farmers State Bank of Bucklin, Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18101) · FFIEC NIC profile (RSSD 14753)