First National Bank in Fredonia: 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 Commercial and industrial: 3.20 percentage points lower than in Q1 2026, at 16.41%. On loan-to-deposit ratio, First National Bank in Fredonia is 5th from the bottom among 182 Kansas banks, 32.78% (Q2 2026). First National Bank in Fredonia's loan-to-deposit ratio of 32.78% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 48.06 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $30.3M |
| Net loans and leases | $29.4M |
| Loans held for sale | $0 |
| Loans to total assets | 29.03% |
| Loan-to-deposit ratio | 32.78% |
| Net loans to equity capital | 2.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.84% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 16.41% |
| Consumer | 18.90% |
| Credit cards | 0.00% |
| Farm | 6.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 21.01% |
| Construction concentration (Tier 1 capital + allowance) | 0.63% |
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 | 7.01% |
| Interest income on loans | $536K |
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 | $31.3M | $78.8M | 11.58% | 14.31% | 21.24% |
| Q4 2023 | $31.1M | $90.0M | 11.59% | 14.72% | 21.71% |
| Q1 2024 | $31.3M | $85.4M | 12.57% | 15.47% | 20.92% |
| Q2 2024 | $32.4M | $86.8M | 12.30% | 14.29% | 20.58% |
| Q3 2024 | $32.6M | $88.3M | 12.24% | 14.69% | 20.32% |
| Q4 2024 | $31.5M | $89.5M | 12.14% | 14.90% | 20.61% |
| Q1 2025 | $30.3M | $87.1M | 11.73% | 16.03% | 21.17% |
| Q2 2025 | $29.8M | $87.0M | 11.03% | 15.96% | 21.17% |
| Q3 2025 | $29.4M | $87.1M | 10.72% | 14.96% | 20.89% |
| Q4 2025 | $30.7M | $93.4M | 10.13% | 17.12% | 19.58% |
| Q1 2026 | $30.8M | $89.7M | 10.43% | 19.61% | 18.85% |
| Q2 2026 | $30.3M | $92.5M | 12.84% | 16.41% | 18.90% |
First National Bank in Fredonia loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank in Fredonia, 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 Fredonia profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13798) · FFIEC NIC profile (RSSD 844455)