Goppert State Service 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 Construction concentration (Tier 1 capital + allowance): 2.98 percentage points higher than in Q1 2026, at 22.70%. Within Kansas, Goppert State Service Bank is 60th of 182 on loan-to-deposit ratio, 83.83% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Goppert State Service Bank sits 3.00 points higher, at 83.83% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $261.3M |
| Net loans and leases | $257.6M |
| Loans held for sale | $0 |
| Loans to total assets | 75.65% |
| Loan-to-deposit ratio | 83.83% |
| Net loans to equity capital | 8.03% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 4.80% |
| Multifamily (5+ residential) | 0.08% |
| Commercial and industrial | 14.50% |
| Consumer | 5.23% |
| Credit cards | 0.00% |
| Farm | 26.63% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.07% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 25.30% |
| Construction concentration (Tier 1 capital + allowance) | 22.70% |
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 | 6.99% |
| Interest income on loans | $4.6M |
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 | $227.2M | $235.3M | 5.86% | 15.39% | 7.01% |
| Q4 2023 | $228.7M | $243.1M | 5.70% | 14.91% | 6.96% |
| Q1 2024 | $233.3M | $251.6M | 5.72% | 15.19% | 6.87% |
| Q2 2024 | $239.0M | $252.0M | 5.48% | 14.36% | 6.60% |
| Q3 2024 | $243.8M | $261.2M | 5.45% | 14.62% | 6.18% |
| Q4 2024 | $242.3M | $270.9M | 5.17% | 14.54% | 5.75% |
| Q1 2025 | $243.4M | $277.4M | 5.23% | 15.15% | 5.64% |
| Q2 2025 | $250.9M | $282.8M | 4.96% | 15.14% | 5.59% |
| Q3 2025 | $261.7M | $277.9M | 4.65% | 15.64% | 5.35% |
| Q4 2025 | $261.4M | $292.4M | 4.86% | 14.16% | 5.18% |
| Q1 2026 | $264.7M | $309.9M | 4.97% | 13.92% | 5.02% |
| Q2 2026 | $261.3M | $311.6M | 4.80% | 14.50% | 5.23% |
Goppert State Service Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Goppert State Service 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 Goppert State Service Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17317) · FFIEC NIC profile (RSSD 850456)