Fusion 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: 14.79 percentage points lower than in Q1 2026, at 59.23%. Fusion Bank ranks 142nd of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 59.23% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. Fusion Bank sits 21.32 points lower, at 59.23% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $129.8M |
| Net loans and leases | $127.7M |
| Loans held for sale | $0 |
| Loans to total assets | 46.19% |
| Loan-to-deposit ratio | 59.23% |
| Net loans to equity capital | 3.75% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.21% |
| Multifamily (5+ residential) | 1.44% |
| Commercial and industrial | 20.70% |
| Consumer | 0.16% |
| Credit cards | 0.00% |
| Farm | 14.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 134.95% |
| 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 | 7.10% |
| Interest income on loans | $2.1M |
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 | $106.8M | $160.4M | 36.96% | 13.66% | 0.42% |
| Q4 2023 | $109.1M | $179.1M | 37.53% | 11.95% | 0.42% |
| Q1 2024 | $109.8M | $188.6M | 35.48% | 15.67% | 0.36% |
| Q2 2024 | $111.5M | $163.6M | 33.05% | 20.95% | 0.41% |
| Q3 2024 | $112.2M | $158.9M | 32.60% | 20.65% | 0.34% |
| Q4 2024 | $117.7M | $220.1M | 30.05% | 24.73% | 0.33% |
| Q1 2025 | $115.0M | $189.5M | 30.76% | 26.67% | 0.28% |
| Q2 2025 | $112.9M | $213.0M | 29.36% | 25.64% | 0.25% |
| Q3 2025 | $122.8M | $156.7M | 32.49% | 22.79% | 0.22% |
| Q4 2025 | $128.6M | $185.5M | 35.97% | 21.53% | 0.21% |
| Q1 2026 | $129.0M | $174.3M | 38.99% | 21.31% | 0.18% |
| Q2 2026 | $129.8M | $219.1M | 39.21% | 20.70% | 0.16% |
Fusion Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Fusion 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 Fusion Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15899) · FFIEC NIC profile (RSSD 9955)