Ford County 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 Farm: 4.41 percentage points higher than in Q1 2026, at 28.43%. Ford County State Bank ranks 147th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 57.85% (Q2 2026). The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Ford County State Bank sits 10.08 points lower, at 57.85% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $30.5M |
| Net loans and leases | $30.2M |
| Loans held for sale | $0 |
| Loans to total assets | 52.26% |
| Loan-to-deposit ratio | 57.85% |
| Net loans to equity capital | 5.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.01% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 27.05% |
| Consumer | 1.74% |
| Credit cards | 0.00% |
| Farm | 28.43% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 35.78% |
| 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 | 7.67% |
| Interest income on loans | $585K |
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 | $22.1M | $45.2M | 11.63% | 16.58% | 3.76% |
| Q4 2023 | $22.0M | $47.4M | 11.35% | 12.54% | 3.55% |
| Q1 2024 | $22.2M | $48.6M | 12.24% | 24.82% | 3.78% |
| Q2 2024 | $25.5M | $47.5M | 10.29% | 23.52% | 3.46% |
| Q3 2024 | $25.9M | $45.8M | 11.05% | 25.18% | 3.19% |
| Q4 2024 | $28.7M | $47.5M | 9.27% | 24.11% | 3.17% |
| Q1 2025 | $28.5M | $49.4M | 9.20% | 28.06% | 2.96% |
| Q2 2025 | $30.7M | $48.1M | 8.42% | 28.58% | 2.53% |
| Q3 2025 | $30.5M | $48.3M | 8.32% | 28.74% | 2.30% |
| Q4 2025 | $30.6M | $48.4M | 8.16% | 29.93% | 2.29% |
| Q1 2026 | $29.4M | $53.3M | 8.50% | 28.28% | 1.74% |
| Q2 2026 | $30.5M | $52.8M | 8.01% | 27.05% | 1.74% |
Ford County State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ford County 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 Ford County State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12139) · FFIEC NIC profile (RSSD 540850)