The First State Bank of Ransom: 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: 5.29 percentage points higher than in Q1 2026, at 57.02%. Within Kansas, The First State Bank of Ransom is 150th of 182 on loan-to-deposit ratio, 57.02% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. The First State Bank of Ransom sits 10.90 points lower, at 57.02% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $22.8M |
| Net loans and leases | $22.3M |
| Loans held for sale | $0 |
| Loans to total assets | 46.54% |
| Loan-to-deposit ratio | 57.02% |
| Net loans to equity capital | 2.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.83% |
| Commercial and industrial | 25.20% |
| Consumer | 1.90% |
| Credit cards | 0.00% |
| Farm | 28.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 1.81% |
| 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 | 6.51% |
| Interest income on loans | $359K |
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 | $18.7M | $40.1M | 0.00% | 17.84% | 2.38% |
| Q4 2023 | $17.2M | $40.9M | 0.00% | 24.03% | 2.73% |
| Q1 2024 | $17.5M | $40.8M | 0.00% | 23.83% | 2.87% |
| Q2 2024 | $18.6M | $38.2M | 0.00% | 23.49% | 2.62% |
| Q3 2024 | $18.1M | $38.6M | 0.00% | 22.41% | 2.99% |
| Q4 2024 | $17.9M | $38.5M | 0.00% | 22.89% | 2.58% |
| Q1 2025 | $18.4M | $39.8M | 0.00% | 21.15% | 2.50% |
| Q2 2025 | $21.9M | $39.9M | 0.00% | 21.55% | 2.22% |
| Q3 2025 | $20.7M | $40.0M | 0.00% | 24.33% | 1.83% |
| Q4 2025 | $20.7M | $39.0M | 0.00% | 23.66% | 1.71% |
| Q1 2026 | $20.6M | $39.7M | 0.00% | 24.48% | 1.76% |
| Q2 2026 | $22.8M | $39.9M | 0.00% | 25.20% | 1.90% |
The First State Bank of Ransom 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 Ransom, 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 Ransom profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15469) · FFIEC NIC profile (RSSD 471057)