First National Bank of Kansas: 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 Construction concentration (Tier 1 capital + allowance): 35.59 percentage points lower than in Q1 2026, at 9.46%. On loan-to-deposit ratio, First National Bank of Kansas is 17th from the bottom among 182 Kansas banks, 45.45% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First National Bank of Kansas sits 35.50 points lower, at 45.45% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $43.0M |
| Net loans and leases | $42.5M |
| Loans held for sale | $0 |
| Loans to total assets | 40.75% |
| Loan-to-deposit ratio | 45.45% |
| Net loans to equity capital | 9.97% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.12% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.72% |
| Consumer | 5.25% |
| Credit cards | 0.00% |
| Farm | 15.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.86% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 75.41% |
| Construction concentration (Tier 1 capital + allowance) | 9.46% |
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 | 6.64% |
| Interest income on loans | $714K |
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 | $30.1M | $78.5M | 3.11% | 10.47% | 9.09% |
| Q4 2023 | $31.5M | $80.9M | 3.40% | 10.26% | 9.49% |
| Q1 2024 | $34.9M | $82.7M | 10.60% | 8.69% | 8.01% |
| Q2 2024 | $36.8M | $85.5M | 10.90% | 8.37% | 8.27% |
| Q3 2024 | $40.6M | $81.4M | 13.05% | 9.94% | 6.75% |
| Q4 2024 | $40.5M | $91.1M | 13.03% | 9.28% | 6.68% |
| Q1 2025 | $40.8M | $88.3M | 11.69% | 8.49% | 6.49% |
| Q2 2025 | $41.7M | $82.2M | 10.49% | 9.07% | 6.28% |
| Q3 2025 | $41.4M | $81.4M | 13.02% | 9.01% | 6.06% |
| Q4 2025 | $41.9M | $84.1M | 12.06% | 8.38% | 6.02% |
| Q1 2026 | $42.4M | $90.8M | 11.73% | 8.64% | 5.56% |
| Q2 2026 | $43.0M | $94.7M | 18.12% | 8.72% | 5.25% |
First National Bank of Kansas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Kansas, 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 of Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4794) · FFIEC NIC profile (RSSD 614256)