The First National Bank of Louisburg: 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): 18.16 percentage points higher than in Q1 2026, at 114.80%. Within Kansas, The First National Bank of Louisburg is 95th of 182 on loan-to-deposit ratio, 75.12% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The First National Bank of Louisburg sits 5.72 points lower, at 75.12% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $128.8M |
| Net loans and leases | $127.3M |
| Loans held for sale | $0 |
| Loans to total assets | 64.00% |
| Loan-to-deposit ratio | 75.12% |
| Net loans to equity capital | 6.41% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.92% |
| Multifamily (5+ residential) | 0.16% |
| Commercial and industrial | 7.74% |
| Consumer | 2.63% |
| Credit cards | 0.00% |
| Farm | 3.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 114.80% |
| Construction concentration (Tier 1 capital + allowance) | 100.06% |
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 | 6.41% |
| Interest income on loans | $2.0M |
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 | $92.0M | $146.7M | 11.61% | 5.32% | 2.80% |
| Q4 2023 | $92.6M | $141.5M | 9.85% | 4.21% | 2.92% |
| Q1 2024 | $90.0M | $151.1M | 8.82% | 4.09% | 3.01% |
| Q2 2024 | $95.7M | $141.2M | 8.07% | 4.45% | 3.05% |
| Q3 2024 | $98.2M | $144.1M | 7.95% | 4.52% | 3.34% |
| Q4 2024 | $99.5M | $147.4M | 7.57% | 3.97% | 3.52% |
| Q1 2025 | $102.2M | $152.9M | 7.10% | 3.47% | 3.31% |
| Q2 2025 | $108.5M | $146.5M | 7.36% | 3.55% | 3.18% |
| Q3 2025 | $115.1M | $147.6M | 6.60% | 5.20% | 3.10% |
| Q4 2025 | $123.4M | $156.0M | 6.05% | 7.61% | 2.76% |
| Q1 2026 | $121.5M | $163.2M | 6.06% | 7.14% | 3.19% |
| Q2 2026 | $128.8M | $171.5M | 5.92% | 7.74% | 2.63% |
The First National Bank of Louisburg 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 Louisburg, 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 Louisburg profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4722) · FFIEC NIC profile (RSSD 132451)