First Commerce 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.
Loan-to-deposit ratio climbed 4.50 percentage points in Q2 2026, from 89.54% to 94.04%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, First Commerce Bank is 27th of 182 on loan-to-deposit ratio, 94.04% as of Q2 2026. First Commerce Bank reported 94.04% on loan-to-deposit ratio for Q2 2026, 13.49 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $113.4M |
| Net loans and leases | $112.2M |
| Loans held for sale | $0 |
| Loans to total assets | 81.88% |
| Loan-to-deposit ratio | 94.04% |
| Net loans to equity capital | 6.83% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.21% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 10.95% |
| Consumer | 4.46% |
| Credit cards | 0.00% |
| Farm | 26.37% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 22.61% |
| Construction concentration (Tier 1 capital + allowance) | 4.92% |
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 | 6.13% |
| Interest income on loans | $1.7M |
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 | $94.8M | $119.7M | 7.99% | 10.28% | 6.06% |
| Q4 2023 | $96.4M | $120.9M | 7.86% | 10.01% | 5.96% |
| Q1 2024 | $97.5M | $121.9M | 7.64% | 9.64% | 5.97% |
| Q2 2024 | $100.6M | $115.7M | 7.81% | 8.72% | 6.15% |
| Q3 2024 | $100.6M | $114.5M | 7.45% | 9.14% | 5.86% |
| Q4 2024 | $100.6M | $115.3M | 6.85% | 9.85% | 5.89% |
| Q1 2025 | $102.7M | $122.6M | 6.72% | 10.86% | 5.62% |
| Q2 2025 | $107.5M | $116.2M | 6.37% | 11.23% | 5.35% |
| Q3 2025 | $112.5M | $120.2M | 7.84% | 10.67% | 5.04% |
| Q4 2025 | $111.0M | $121.5M | 7.87% | 11.34% | 5.03% |
| Q1 2026 | $110.8M | $123.7M | 7.66% | 11.45% | 4.76% |
| Q2 2026 | $113.4M | $120.6M | 8.21% | 10.95% | 4.46% |
First Commerce Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Commerce 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 First Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57273) · FFIEC NIC profile (RSSD 3041358)