The First State Bank of Healy: 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 8.42 percentage points in Q2 2026, from 68.31% to 76.74%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, The First State Bank of Healy is 87th of 182 on loan-to-deposit ratio, 76.74% as of Q2 2026, above the middle of the field. The First State Bank of Healy reported 76.74% on loan-to-deposit ratio for Q2 2026, 4.21 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $66.3M |
| Net loans and leases | $65.2M |
| Loans held for sale | $0 |
| Loans to total assets | 60.97% |
| Loan-to-deposit ratio | 76.74% |
| Net loans to equity capital | 4.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.41% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 18.36% |
| Consumer | 0.55% |
| Credit cards | 0.00% |
| Farm | 35.59% |
| 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 | 6.48% |
| Interest income on loans | $1.0M |
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 | $64.6M | $79.3M | 12.54% | 17.14% | 0.72% |
| Q4 2023 | $59.8M | $84.8M | 12.83% | 19.10% | 0.72% |
| Q1 2024 | $62.6M | $81.8M | 18.43% | 18.61% | 0.74% |
| Q2 2024 | $68.6M | $85.7M | 17.20% | 17.28% | 0.70% |
| Q3 2024 | $72.0M | $89.2M | 16.56% | 16.98% | 0.57% |
| Q4 2024 | $75.8M | $99.2M | 15.29% | 16.08% | 0.58% |
| Q1 2025 | $75.9M | $93.3M | 15.26% | 16.12% | 0.58% |
| Q2 2025 | $77.0M | $94.2M | 14.14% | 19.28% | 0.57% |
| Q3 2025 | $71.0M | $91.3M | 10.91% | 19.93% | 0.57% |
| Q4 2025 | $70.4M | $99.2M | 10.73% | 19.24% | 0.54% |
| Q1 2026 | $63.3M | $92.7M | 11.42% | 19.18% | 0.57% |
| Q2 2026 | $66.3M | $86.5M | 11.41% | 18.36% | 0.55% |
The First State Bank of Healy loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First State Bank of Healy, 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 State Bank of Healy profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17661) · FFIEC NIC profile (RSSD 864855)