Great American 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.
Cre concentration (tier 1 capital + allowance) dropped 23.48 percentage points in Q2 2026, from 315.49% to 292.01%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Great American Bank ranks 12th highest among the 182 banks headquartered in Kansas, at 102.53% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Great American Bank sits 21.58 points higher, at 102.53% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $431.9M |
| Net loans and leases | $427.9M |
| Loans held for sale | $328K |
| Loans to total assets | 84.16% |
| Loan-to-deposit ratio | 102.53% |
| Net loans to equity capital | 6.12% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.42% |
| Multifamily (5+ residential) | 3.77% |
| Commercial and industrial | 18.59% |
| Consumer | 0.23% |
| Credit cards | 0.00% |
| Farm | 0.16% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 292.01% |
| Construction concentration (Tier 1 capital + allowance) | 85.19% |
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 | 7.87% |
| Interest income on loans | $8.4M |
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 | $347.4M | $296.8M | 35.60% | 8.57% | 0.24% |
| Q4 2023 | $354.4M | $291.5M | 35.42% | 9.60% | 0.26% |
| Q1 2024 | $360.2M | $315.9M | 37.00% | 10.27% | 0.23% |
| Q2 2024 | $371.9M | $336.0M | 35.92% | 10.42% | 0.21% |
| Q3 2024 | $392.1M | $387.6M | 36.27% | 10.63% | 0.23% |
| Q4 2024 | $386.6M | $401.4M | 36.58% | 8.38% | 0.20% |
| Q1 2025 | $393.0M | $409.8M | 35.74% | 10.90% | 0.19% |
| Q2 2025 | $410.0M | $417.9M | 35.68% | 11.05% | 0.25% |
| Q3 2025 | $393.6M | $415.9M | 33.28% | 12.13% | 0.27% |
| Q4 2025 | $400.4M | $407.4M | 32.28% | 13.35% | 0.27% |
| Q1 2026 | $418.5M | $416.9M | 34.25% | 16.05% | 0.24% |
| Q2 2026 | $431.9M | $421.3M | 32.42% | 18.59% | 0.23% |
Great American Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Great American 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 Great American Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35292) · FFIEC NIC profile (RSSD 2815879)