Howard State 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) climbed 50.81 percentage points in Q2 2026, from 7.26% to 58.07%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Howard State Bank is 90th of 182 on loan-to-deposit ratio, 76.11% as of Q2 2026, above the middle of the field. Howard State Bank reported 76.11% on loan-to-deposit ratio for Q2 2026, 8.18 points above the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $54.1M |
| Net loans and leases | $53.4M |
| Loans held for sale | $0 |
| Loans to total assets | 67.45% |
| Loan-to-deposit ratio | 76.11% |
| Net loans to equity capital | 7.21% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.29% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 6.53% |
| Consumer | 5.09% |
| Credit cards | 0.00% |
| Farm | 31.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 58.07% |
| Construction concentration (Tier 1 capital + allowance) | 6.19% |
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 | 6.70% |
| Interest income on loans | $891K |
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 | $36.7M | $66.5M | 18.66% | 13.72% | 5.37% |
| Q4 2023 | $37.9M | $74.9M | 15.13% | 15.38% | 5.62% |
| Q1 2024 | $39.5M | $67.2M | 15.03% | 15.13% | 6.17% |
| Q2 2024 | $41.5M | $65.0M | 14.93% | 12.44% | 6.46% |
| Q3 2024 | $40.2M | $63.1M | 15.71% | 12.46% | 6.16% |
| Q4 2024 | $43.0M | $69.1M | 17.34% | 12.77% | 6.16% |
| Q1 2025 | $44.1M | $68.0M | 13.26% | 14.22% | 5.94% |
| Q2 2025 | $46.8M | $68.6M | 12.58% | 10.94% | 6.73% |
| Q3 2025 | $47.9M | $70.4M | 12.41% | 11.37% | 8.20% |
| Q4 2025 | $51.1M | $78.9M | 12.11% | 9.49% | 8.92% |
| Q1 2026 | $52.6M | $70.8M | 10.47% | 7.26% | 6.59% |
| Q2 2026 | $54.1M | $71.1M | 10.29% | 6.53% | 5.09% |
Howard State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Howard State 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 Howard State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4693) · FFIEC NIC profile (RSSD 998358)