The First State 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 6.26 percentage points higher than in Q1 2026, at 50.74%. Within Kansas, The First State Bank is 157th of 182 on loan-to-deposit ratio, 50.74% as of Q2 2026. The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. The First State Bank sits 16.59 points lower, at 50.74% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $37.6M |
| Net loans and leases | $36.7M |
| Loans held for sale | $0 |
| Loans to total assets | 44.61% |
| Loan-to-deposit ratio | 50.74% |
| Net loans to equity capital | 3.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 3.16% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 16.12% |
| Consumer | 3.78% |
| Credit cards | 0.00% |
| Farm | 39.69% |
| 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 | 6.99% |
| Interest income on loans | $632K |
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 | $24.7M | $63.1M | 4.04% | 17.38% | 6.87% |
| Q4 2023 | $25.6M | $69.7M | 4.35% | 18.73% | 6.69% |
| Q1 2024 | $28.3M | $66.3M | 3.99% | 18.91% | 5.97% |
| Q2 2024 | $31.0M | $64.7M | 4.47% | 18.30% | 5.54% |
| Q3 2024 | $31.9M | $70.2M | 4.25% | 17.96% | 5.30% |
| Q4 2024 | $31.7M | $77.7M | 4.42% | 16.13% | 5.45% |
| Q1 2025 | $32.9M | $72.1M | 4.29% | 17.92% | 5.06% |
| Q2 2025 | $34.7M | $72.5M | 3.89% | 17.24% | 4.77% |
| Q3 2025 | $32.0M | $74.4M | 4.51% | 17.71% | 4.97% |
| Q4 2025 | $34.0M | $74.3M | 3.91% | 18.16% | 4.57% |
| Q1 2026 | $33.9M | $76.2M | 2.97% | 18.65% | 4.38% |
| Q2 2026 | $37.6M | $74.1M | 3.16% | 16.12% | 3.78% |
The First State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The First State 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 The First State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10503) · FFIEC NIC profile (RSSD 275657)