First National Bank and 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.08 percentage points higher than in Q1 2026, at 87.30%. Within Kansas, First National Bank and Trust is 50th of 182 on loan-to-deposit ratio, 87.30% as of Q2 2026, above the middle of the field. First National Bank and Trust reported 87.30% on loan-to-deposit ratio for Q2 2026, 6.46 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $226.5M |
| Net loans and leases | $221.9M |
| Loans held for sale | $0 |
| Loans to total assets | 70.30% |
| Loan-to-deposit ratio | 87.30% |
| Net loans to equity capital | 4.94% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.80% |
| Multifamily (5+ residential) | 0.06% |
| Commercial and industrial | 10.65% |
| Consumer | 5.34% |
| Credit cards | 0.22% |
| Farm | 20.54% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 10.81% |
| 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 | 7.46% |
| Interest income on loans | $4.2M |
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 | $180.2M | $227.3M | 6.36% | 13.93% | 6.72% |
| Q4 2023 | $189.7M | $239.8M | 7.74% | 11.88% | 6.32% |
| Q1 2024 | $193.2M | $243.5M | 7.51% | 13.22% | 6.26% |
| Q2 2024 | $203.0M | $238.7M | 7.19% | 12.32% | 5.32% |
| Q3 2024 | $204.7M | $226.9M | 6.32% | 12.17% | 5.31% |
| Q4 2024 | $204.7M | $238.6M | 6.01% | 12.60% | 5.61% |
| Q1 2025 | $202.6M | $252.9M | 5.73% | 14.07% | 5.31% |
| Q2 2025 | $207.7M | $250.6M | 5.65% | 12.80% | 5.69% |
| Q3 2025 | $209.1M | $252.2M | 5.25% | 11.83% | 5.50% |
| Q4 2025 | $220.8M | $272.0M | 4.81% | 11.11% | 5.27% |
| Q1 2026 | $221.9M | $266.7M | 5.26% | 10.72% | 5.19% |
| Q2 2026 | $226.5M | $259.5M | 4.80% | 10.65% | 5.34% |
First National Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank and 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 First National Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4756) · FFIEC NIC profile (RSSD 183958)