Golden Belt Bank, FSA: 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: 5.08 percentage points higher than in Q1 2026, at 98.42%. On loan-to-deposit ratio, Golden Belt Bank, FSA ranks 18th highest among the 182 banks headquartered in Kansas, at 98.42% (Q2 2026). Golden Belt Bank, FSA reported 98.42% on loan-to-deposit ratio for Q2 2026, 17.47 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $280.7M |
| Net loans and leases | $277.7M |
| Loans held for sale | $0 |
| Loans to total assets | 75.14% |
| Loan-to-deposit ratio | 98.42% |
| Net loans to equity capital | 7.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.94% |
| Multifamily (5+ residential) | 1.47% |
| Commercial and industrial | 8.30% |
| Consumer | 4.31% |
| Credit cards | 0.00% |
| Farm | 7.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 103.92% |
| Construction concentration (Tier 1 capital + allowance) | 12.73% |
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 | 6.15% |
| Interest income on loans | $4.2M |
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 | $211.7M | $256.0M | 10.77% | 10.10% | 3.46% |
| Q4 2023 | $218.8M | $261.4M | 10.28% | 8.83% | 4.75% |
| Q1 2024 | $219.8M | $264.8M | 9.71% | 8.35% | 4.78% |
| Q2 2024 | $227.4M | $263.7M | 9.64% | 7.94% | 4.94% |
| Q3 2024 | $230.9M | $259.7M | 12.17% | 7.91% | 4.93% |
| Q4 2024 | $242.7M | $257.6M | 11.45% | 8.87% | 4.89% |
| Q1 2025 | $243.3M | $269.0M | 12.03% | 8.11% | 5.29% |
| Q2 2025 | $250.5M | $280.8M | 13.30% | 8.51% | 5.10% |
| Q3 2025 | $258.0M | $277.4M | 12.67% | 7.84% | 4.80% |
| Q4 2025 | $262.3M | $282.6M | 12.32% | 7.52% | 4.55% |
| Q1 2026 | $268.7M | $287.9M | 11.98% | 7.15% | 4.58% |
| Q2 2026 | $280.7M | $285.2M | 11.94% | 8.30% | 4.31% |
Golden Belt Bank, FSA loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Golden Belt Bank, FSA, 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 Golden Belt Bank, FSA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28735) · FFIEC NIC profile (RSSD 148171)