The First National Bank of Scott City: 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.
Loan-to-deposit ratio climbed 10.29 percentage points in Q2 2026, from 81.07% to 91.36%. It was the largest change from Q1 2026 among the key lines here. The First National Bank of Scott City ranks 36th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 91.36% (Q2 2026). The First National Bank of Scott City reported 91.36% on loan-to-deposit ratio for Q2 2026, 10.52 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $128.3M |
| Net loans and leases | $126.8M |
| Loans held for sale | $0 |
| Loans to total assets | 73.82% |
| Loan-to-deposit ratio | 91.36% |
| Net loans to equity capital | 5.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 14.15% |
| Consumer | 8.56% |
| Credit cards | 0.60% |
| Farm | 23.37% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 11.17% |
| Construction concentration (Tier 1 capital + allowance) | 0.86% |
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 | 6.96% |
| Interest income on loans | $2.1M |
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 | $95.7M | $133.6M | 13.83% | 11.84% | 10.41% |
| Q4 2023 | $93.8M | $141.0M | 14.09% | 13.53% | 10.75% |
| Q1 2024 | $99.3M | $135.3M | 14.48% | 13.62% | 10.35% |
| Q2 2024 | $103.9M | $132.5M | 13.38% | 14.08% | 10.30% |
| Q3 2024 | $102.5M | $129.7M | 12.59% | 15.51% | 10.28% |
| Q4 2024 | $107.2M | $139.0M | 11.94% | 14.59% | 10.21% |
| Q1 2025 | $109.6M | $136.5M | 12.11% | 15.15% | 10.09% |
| Q2 2025 | $115.4M | $143.5M | 10.57% | 15.65% | 9.52% |
| Q3 2025 | $115.7M | $138.1M | 10.66% | 16.03% | 9.73% |
| Q4 2025 | $118.6M | $145.7M | 14.59% | 14.17% | 9.28% |
| Q1 2026 | $120.9M | $149.2M | 14.24% | 14.60% | 8.93% |
| Q2 2026 | $128.3M | $140.4M | 15.00% | 14.15% | 8.56% |
The First National Bank of Scott City 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 Scott City, 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 Scott City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4769) · FFIEC NIC profile (RSSD 414652)