First Federal Bank of Kansas City: 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 CRE concentration (Tier 1 capital + allowance): 12.39 percentage points higher than in Q1 2026, at 68.31%. On loan-to-deposit ratio, First Federal Bank of Kansas City ranks 5th highest among the 192 banks headquartered in Missouri, at 111.08% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Federal Bank of Kansas City sits 30.24 points higher, at 111.08% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $770.7M |
| Net loans and leases | $760.6M |
| Loans held for sale | $879K |
| Loans to total assets | 77.65% |
| Loan-to-deposit ratio | 111.08% |
| Net loans to equity capital | 7.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.65% |
| Multifamily (5+ residential) | 0.81% |
| Commercial and industrial | 5.62% |
| Consumer | 13.96% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 68.31% |
| Construction concentration (Tier 1 capital + allowance) | 61.25% |
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 | 5.27% |
| Interest income on loans | $10.4M |
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 | $755.7M | $616.7M | 0.00% | 0.00% | 19.49% |
| Q4 2023 | $749.5M | $636.4M | 0.00% | 0.03% | 18.35% |
| Q1 2024 | $754.0M | $659.8M | 0.00% | 0.91% | 17.58% |
| Q2 2024 | $757.8M | $675.4M | 0.00% | 2.33% | 17.86% |
| Q3 2024 | $764.7M | $704.1M | 0.00% | 3.18% | 18.58% |
| Q4 2024 | $766.5M | $677.4M | 0.00% | 3.35% | 17.68% |
| Q1 2025 | $762.8M | $671.1M | 0.00% | 3.73% | 16.46% |
| Q2 2025 | $762.7M | $675.3M | 0.02% | 3.87% | 17.02% |
| Q3 2025 | $758.1M | $678.2M | 0.18% | 4.10% | 15.80% |
| Q4 2025 | $749.7M | $664.7M | 0.28% | 4.38% | 14.95% |
| Q1 2026 | $765.3M | $689.2M | 0.46% | 5.46% | 15.49% |
| Q2 2026 | $770.7M | $693.8M | 0.65% | 5.62% | 13.96% |
First Federal Bank of Kansas City loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Bank of Kansas City, 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 Federal Bank of Kansas City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29047) · FFIEC NIC profile (RSSD 950178)