First Option Bank: 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.
Cre concentration (tier 1 capital + allowance) climbed 11.40 percentage points in Q2 2026, from 241.73% to 253.13%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, First Option Bank is 120th of 182 on loan-to-deposit ratio, 67.29% as of Q2 2026, below the middle of the field. First Option Bank reported 67.29% on loan-to-deposit ratio for Q2 2026, 13.55 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $485.9M |
| Net loans and leases | $482.4M |
| Loans held for sale | $0 |
| Loans to total assets | 59.43% |
| Loan-to-deposit ratio | 67.29% |
| Net loans to equity capital | 9.07% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.37% |
| Multifamily (5+ residential) | 4.19% |
| Commercial and industrial | 6.44% |
| Consumer | 3.50% |
| Credit cards | 0.19% |
| Farm | 5.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 253.13% |
| Construction concentration (Tier 1 capital + allowance) | 85.89% |
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 | 6.15% |
| Interest income on loans | $7.3M |
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 | $422.5M | $586.4M | 21.45% | 8.91% | 4.43% |
| Q4 2023 | $432.3M | $610.8M | 22.36% | 6.01% | 4.38% |
| Q1 2024 | $439.9M | $622.8M | 22.33% | 6.26% | 4.29% |
| Q2 2024 | $445.6M | $641.1M | 22.03% | 5.71% | 4.54% |
| Q3 2024 | $440.2M | $597.7M | 21.24% | 6.11% | 4.57% |
| Q4 2024 | $439.0M | $671.2M | 22.35% | 5.77% | 4.59% |
| Q1 2025 | $441.7M | $650.9M | 22.08% | 5.75% | 4.79% |
| Q2 2025 | $451.4M | $669.4M | 22.17% | 5.75% | 4.58% |
| Q3 2025 | $456.7M | $647.2M | 21.35% | 5.65% | 4.24% |
| Q4 2025 | $466.5M | $735.4M | 20.24% | 5.38% | 3.84% |
| Q1 2026 | $483.6M | $681.9M | 20.13% | 6.28% | 3.45% |
| Q2 2026 | $485.9M | $722.1M | 20.37% | 6.44% | 3.50% |
First Option Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Option Bank, 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 Option Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4746) · FFIEC NIC profile (RSSD 285852)