Home Bank and Trust Company: 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 CRE concentration (Tier 1 capital + allowance): 21.12 percentage points lower than in Q1 2026, at 91.72%. Home Bank and Trust Company ranks 33rd of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 92.60% (Q2 2026). Home Bank and Trust Company reported 92.60% on loan-to-deposit ratio for Q2 2026, 11.76 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $154.5M |
| Net loans and leases | $152.7M |
| Loans held for sale | $998K |
| Loans to total assets | 84.27% |
| Loan-to-deposit ratio | 92.60% |
| Net loans to equity capital | 9.93% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.26% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 16.44% |
| Consumer | 3.80% |
| Credit cards | 0.00% |
| Farm | 1.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 91.72% |
| Construction concentration (Tier 1 capital + allowance) | 32.69% |
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 | 6.85% |
| Interest income on loans | $2.5M |
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 | $131.6M | $136.8M | 21.23% | 15.83% | 3.64% |
| Q4 2023 | $133.3M | $141.4M | 20.89% | 15.42% | 3.11% |
| Q1 2024 | $137.9M | $137.9M | 22.32% | 14.49% | 3.17% |
| Q2 2024 | $142.4M | $155.5M | 21.16% | 14.19% | 3.46% |
| Q3 2024 | $139.0M | $150.2M | 21.12% | 14.25% | 3.31% |
| Q4 2024 | $136.7M | $151.3M | 20.28% | 15.68% | 3.25% |
| Q1 2025 | $142.5M | $162.0M | 21.93% | 12.84% | 3.09% |
| Q2 2025 | $141.8M | $157.6M | 20.61% | 12.57% | 2.94% |
| Q3 2025 | $134.5M | $165.2M | 21.60% | 14.74% | 3.30% |
| Q4 2025 | $134.6M | $169.1M | 20.80% | 15.99% | 3.79% |
| Q1 2026 | $146.5M | $164.6M | 21.93% | 12.78% | 3.70% |
| Q2 2026 | $154.5M | $166.8M | 18.26% | 16.44% | 3.80% |
Home Bank and Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Bank and Trust Company, 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 Home Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4664) · FFIEC NIC profile (RSSD 840251)