First National Bank in Frankfort: 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: 3.38 percentage points higher than in Q1 2026, at 56.21%. Within Kansas, First National Bank in Frankfort is 151st of 182 on loan-to-deposit ratio, 56.21% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. First National Bank in Frankfort sits 11.71 points lower, at 56.21% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $31.2M |
| Net loans and leases | $30.7M |
| Loans held for sale | $0 |
| Loans to total assets | 50.62% |
| Loan-to-deposit ratio | 56.21% |
| Net loans to equity capital | 8.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.63% |
| Multifamily (5+ residential) | 0.51% |
| Commercial and industrial | 6.31% |
| Consumer | 6.15% |
| Credit cards | 0.00% |
| Farm | 19.38% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 18.26% |
| 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 | 6.97% |
| Interest income on loans | $539K |
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 | $26.8M | $52.0M | 10.72% | 10.50% | 7.50% |
| Q4 2023 | $26.6M | $51.7M | 11.04% | 9.55% | 7.69% |
| Q1 2024 | $26.6M | $51.1M | 11.36% | 9.25% | 6.90% |
| Q2 2024 | $26.4M | $52.2M | 11.31% | 8.14% | 7.49% |
| Q3 2024 | $28.0M | $52.8M | 6.61% | 8.38% | 7.50% |
| Q4 2024 | $28.8M | $56.6M | 6.22% | 11.36% | 7.59% |
| Q1 2025 | $28.6M | $56.2M | 5.53% | 9.93% | 8.03% |
| Q2 2025 | $29.8M | $55.8M | 5.15% | 8.87% | 6.67% |
| Q3 2025 | $32.4M | $56.1M | 4.64% | 6.91% | 6.20% |
| Q4 2025 | $31.5M | $57.3M | 4.84% | 5.68% | 6.43% |
| Q1 2026 | $30.4M | $57.6M | 4.35% | 5.91% | 6.36% |
| Q2 2026 | $31.2M | $55.4M | 3.63% | 6.31% | 6.15% |
First National Bank in Frankfort loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in Frankfort, 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 in Frankfort profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4668) · FFIEC NIC profile (RSSD 923350)