Grant County 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.
Loan-to-deposit ratio climbed 5.36 percentage points in Q2 2026, from 63.62% to 68.98%. It was the largest change from Q1 2026 among the key lines here. Grant County Bank ranks 115th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 68.98% (Q2 2026). Grant County Bank reported 68.98% on loan-to-deposit ratio for Q2 2026, 11.86 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $173.6M |
| Net loans and leases | $169.6M |
| Loans held for sale | $0 |
| Loans to total assets | 58.18% |
| Loan-to-deposit ratio | 68.98% |
| Net loans to equity capital | 4.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.45% |
| Multifamily (5+ residential) | 0.46% |
| Commercial and industrial | 10.86% |
| Consumer | 4.72% |
| Credit cards | 0.00% |
| Farm | 19.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 42.50% |
| Construction concentration (Tier 1 capital + allowance) | 27.54% |
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 | 6.37% |
| Interest income on loans | $2.7M |
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 | $152.8M | $236.6M | 8.26% | 10.50% | 4.92% |
| Q4 2023 | $152.3M | $265.1M | 8.74% | 10.16% | 5.14% |
| Q1 2024 | $154.2M | $253.3M | 8.17% | 10.51% | 5.03% |
| Q2 2024 | $161.5M | $252.0M | 7.27% | 9.87% | 4.94% |
| Q3 2024 | $164.8M | $247.2M | 7.55% | 8.95% | 4.96% |
| Q4 2024 | $160.7M | $260.2M | 8.11% | 9.62% | 5.00% |
| Q1 2025 | $164.9M | $246.6M | 8.23% | 8.88% | 4.87% |
| Q2 2025 | $174.9M | $251.0M | 10.79% | 10.22% | 4.49% |
| Q3 2025 | $172.9M | $244.0M | 12.00% | 9.61% | 4.59% |
| Q4 2025 | $165.5M | $258.0M | 13.05% | 10.27% | 4.90% |
| Q1 2026 | $165.9M | $260.8M | 11.48% | 10.42% | 4.95% |
| Q2 2026 | $173.6M | $251.7M | 11.45% | 10.86% | 4.72% |
Grant County Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Grant County 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 Grant County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10918) · FFIEC NIC profile (RSSD 207452)