The First National Bank of Hutchinson: 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): 14.72 percentage points lower than in Q1 2026, at 237.95%. Within Kansas, The First National Bank of Hutchinson is 57th of 182 on loan-to-deposit ratio, 85.23% as of Q2 2026, above the middle of the field. The First National Bank of Hutchinson reported 85.23% on loan-to-deposit ratio for Q2 2026, 2.97 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $885.8M |
| Net loans and leases | $873.0M |
| Loans held for sale | $0 |
| Loans to total assets | 73.32% |
| Loan-to-deposit ratio | 85.23% |
| Net loans to equity capital | 6.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.10% |
| Multifamily (5+ residential) | 4.24% |
| Commercial and industrial | 13.02% |
| Consumer | 1.33% |
| Credit cards | 0.00% |
| Farm | 10.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.84% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 237.95% |
| Construction concentration (Tier 1 capital + allowance) | 39.35% |
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 | 6.36% |
| Interest income on loans | $14.0M |
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 | $801.9M | $881.4M | 39.07% | 12.93% | 2.03% |
| Q4 2023 | $842.2M | $952.4M | 38.46% | 13.42% | 1.81% |
| Q1 2024 | $866.9M | $964.9M | 38.51% | 13.77% | 1.72% |
| Q2 2024 | $890.4M | $972.9M | 38.18% | 13.44% | 1.68% |
| Q3 2024 | $900.7M | $987.6M | 39.10% | 12.95% | 1.61% |
| Q4 2024 | $903.2M | $1.03B | 39.59% | 12.61% | 1.57% |
| Q1 2025 | $899.2M | $1.02B | 39.12% | 12.51% | 1.54% |
| Q2 2025 | $887.6M | $999.2M | 38.54% | 12.50% | 1.54% |
| Q3 2025 | $876.8M | $990.4M | 37.78% | 11.26% | 1.48% |
| Q4 2025 | $904.3M | $1.06B | 37.78% | 12.37% | 1.38% |
| Q1 2026 | $901.4M | $1.03B | 38.62% | 12.81% | 1.27% |
| Q2 2026 | $885.8M | $1.04B | 38.10% | 13.02% | 1.33% |
The First National Bank of Hutchinson loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First National Bank of Hutchinson, 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 The First National Bank of Hutchinson profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4697) · FFIEC NIC profile (RSSD 754853)