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.
Loan-to-deposit ratio climbed 1.76 percentage points in Q2 2026, from 68.08% to 69.84%. It was the largest change from Q1 2026 among the key lines here. The First State Bank ranks 110th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 69.84% (Q2 2026). The First State Bank reported 69.84% on loan-to-deposit ratio for Q2 2026, 10.71 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $284.0M |
| Net loans and leases | $278.6M |
| Loans held for sale | $0 |
| Loans to total assets | 57.58% |
| Loan-to-deposit ratio | 69.84% |
| Net loans to equity capital | 5.14% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.55% |
| Multifamily (5+ residential) | 1.74% |
| Commercial and industrial | 16.49% |
| Consumer | 5.31% |
| Credit cards | 0.00% |
| Farm | 26.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 26.53% |
| Construction concentration (Tier 1 capital + allowance) | 7.47% |
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 | 7.31% |
| Interest income on loans | $5.3M |
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 | $237.4M | $436.2M | 6.70% | 15.38% | 6.92% |
| Q4 2023 | $238.7M | $421.8M | 8.27% | 12.98% | 6.83% |
| Q1 2024 | $228.7M | $412.4M | 7.62% | 15.72% | 7.12% |
| Q2 2024 | $249.4M | $431.1M | 7.21% | 15.01% | 6.84% |
| Q3 2024 | $263.1M | $425.1M | 6.56% | 13.33% | 6.50% |
| Q4 2024 | $272.5M | $423.4M | 6.84% | 13.00% | 6.02% |
| Q1 2025 | $268.1M | $410.0M | 7.19% | 14.44% | 6.24% |
| Q2 2025 | $280.1M | $408.7M | 6.60% | 15.54% | 6.09% |
| Q3 2025 | $299.0M | $426.7M | 6.86% | 14.25% | 5.69% |
| Q4 2025 | $313.0M | $436.0M | 6.75% | 16.23% | 5.25% |
| Q1 2026 | $293.2M | $430.7M | 6.98% | 17.42% | 5.33% |
| Q2 2026 | $284.0M | $406.6M | 7.55% | 16.49% | 5.31% |
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 5835) · FFIEC NIC profile (RSSD 394259)