Home Savings 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 dropped 3.29 percentage points in Q2 2026, from 83.69% to 80.40%. It was the largest change from Q1 2026 among the key lines here. Home Savings Bank ranks 74th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 80.40% (Q2 2026). At 80.40%, Home Savings Bank's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $72.8M |
| Net loans and leases | $71.7M |
| Loans held for sale | $0 |
| Loans to total assets | 63.23% |
| Loan-to-deposit ratio | 80.40% |
| Net loans to equity capital | 3.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.36% |
| Multifamily (5+ residential) | 0.55% |
| Commercial and industrial | 7.64% |
| Consumer | 4.57% |
| Credit cards | 0.00% |
| Farm | 14.72% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 15.23% |
| Construction concentration (Tier 1 capital + allowance) | 8.51% |
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 | 6.56% |
| Interest income on loans | $1.2M |
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 | $75.0M | $79.8M | 6.23% | 9.99% | 6.98% |
| Q4 2023 | $75.4M | $80.0M | 5.84% | 10.88% | 6.83% |
| Q1 2024 | $77.7M | $80.8M | 5.54% | 10.47% | 6.70% |
| Q2 2024 | $76.3M | $80.9M | 5.93% | 8.78% | 6.70% |
| Q3 2024 | $76.8M | $83.8M | 5.82% | 7.95% | 6.47% |
| Q4 2024 | $77.8M | $81.8M | 4.83% | 9.07% | 5.97% |
| Q1 2025 | $76.2M | $85.5M | 5.06% | 8.77% | 5.60% |
| Q2 2025 | $75.0M | $83.2M | 5.67% | 8.06% | 5.11% |
| Q3 2025 | $75.4M | $86.9M | 5.15% | 7.49% | 4.81% |
| Q4 2025 | $75.2M | $88.5M | 5.17% | 6.57% | 4.44% |
| Q1 2026 | $74.3M | $88.8M | 5.15% | 6.07% | 4.51% |
| Q2 2026 | $72.8M | $90.5M | 5.36% | 7.64% | 4.57% |
Home Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Savings 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 Home Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28246) · FFIEC NIC profile (RSSD 765877)