First National Bank of Spearville: 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 Loan-to-deposit ratio: 2.58 percentage points lower than in Q1 2026, at 59.70%. First National Bank of Spearville ranks 139th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 59.70% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. First National Bank of Spearville sits 7.93 points lower, at 59.70% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $32.0M |
| Net loans and leases | $31.5M |
| Loans held for sale | $0 |
| Loans to total assets | 51.55% |
| Loan-to-deposit ratio | 59.70% |
| Net loans to equity capital | 3.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.82% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 15.18% |
| Consumer | 6.86% |
| Credit cards | 0.00% |
| Farm | 25.04% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.94% |
| Interest income on loans | $555K |
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 | $26.2M | $43.4M | 15.34% | 16.43% | 9.09% |
| Q4 2023 | $28.5M | $67.8M | 14.21% | 14.53% | 8.47% |
| Q1 2024 | $29.1M | $42.1M | 15.02% | 16.48% | 6.94% |
| Q2 2024 | $29.7M | $45.3M | 15.03% | 16.96% | 6.71% |
| Q3 2024 | $28.1M | $48.5M | 15.80% | 16.37% | 6.64% |
| Q4 2024 | $29.8M | $70.9M | 16.57% | 14.27% | 6.07% |
| Q1 2025 | $28.7M | $47.8M | 17.20% | 15.10% | 6.12% |
| Q2 2025 | $28.7M | $47.0M | 15.78% | 18.00% | 6.47% |
| Q3 2025 | $31.3M | $47.9M | 15.15% | 16.61% | 6.21% |
| Q4 2025 | $34.0M | $77.9M | 13.74% | 14.36% | 5.97% |
| Q1 2026 | $31.3M | $50.2M | 14.43% | 15.16% | 6.85% |
| Q2 2026 | $32.0M | $53.6M | 14.82% | 15.18% | 6.86% |
First National Bank of Spearville loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank of Spearville, 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 Spearville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4774) · FFIEC NIC profile (RSSD 197254)