FNB 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) dropped 11.06 percentage points in Q2 2026, from 57.11% to 46.05%. It was the largest change from Q1 2026 among the key lines here. FNB Bank ranks 86th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 76.99% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. FNB Bank sits 3.56 points lower, at 76.99% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $180.9M |
| Net loans and leases | $177.4M |
| Loans held for sale | $0 |
| Loans to total assets | 66.94% |
| Loan-to-deposit ratio | 76.99% |
| Net loans to equity capital | 7.46% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.06% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.43% |
| Consumer | 0.85% |
| Credit cards | 0.00% |
| Farm | 38.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 46.05% |
| 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 | 6.64% |
| Interest income on loans | $3.0M |
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 | $163.4M | $233.1M | 19.04% | 10.48% | 1.08% |
| Q4 2023 | $168.0M | $231.9M | 16.87% | 10.48% | 0.96% |
| Q1 2024 | $164.2M | $221.9M | 18.17% | 10.38% | 0.97% |
| Q2 2024 | $176.3M | $215.2M | 18.16% | 9.25% | 0.89% |
| Q3 2024 | $171.9M | $212.6M | 18.53% | 9.40% | 0.98% |
| Q4 2024 | $176.6M | $227.6M | 18.57% | 8.16% | 0.91% |
| Q1 2025 | $177.8M | $218.4M | 18.91% | 7.81% | 0.91% |
| Q2 2025 | $189.1M | $211.2M | 18.12% | 7.95% | 0.89% |
| Q3 2025 | $187.1M | $216.0M | 19.50% | 7.59% | 0.88% |
| Q4 2025 | $190.8M | $237.5M | 21.00% | 7.46% | 0.86% |
| Q1 2026 | $186.2M | $252.8M | 22.25% | 7.63% | 0.85% |
| Q2 2026 | $180.9M | $235.0M | 22.06% | 8.43% | 0.85% |
FNB Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB 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 FNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14420) · FFIEC NIC profile (RSSD 805250)