Integrity 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 4.57 percentage points in Q2 2026, from 32.32% to 36.89%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Integrity Bank is 9th from the bottom among 182 Kansas banks, 36.71% (Q3 2026). Integrity Bank reported 36.71% on loan-to-deposit ratio for Q2 2026, 30.62 points below the 67.32% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $32.8M |
| Net loans and leases | $32.4M |
| Loans held for sale | $0 |
| Loans to total assets | 32.86% |
| Loan-to-deposit ratio | 36.71% |
| Net loans to equity capital | 3.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.56% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 30.92% |
| Consumer | 1.36% |
| Credit cards | 0.00% |
| Farm | 18.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 36.89% |
| Construction concentration (Tier 1 capital + allowance) | 13.25% |
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 | 7.38% |
| Interest income on loans | $580K |
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 | $24.3M | $53.6M | 15.20% | 28.67% | 3.25% |
| Q4 2023 | $28.3M | $52.1M | 12.56% | 26.52% | 2.27% |
| Q1 2024 | $28.1M | $55.5M | 12.25% | 28.85% | 2.43% |
| Q2 2024 | $28.9M | $72.8M | 11.73% | 27.38% | 2.06% |
| Q3 2024 | $29.9M | $71.7M | 11.95% | 27.32% | 1.97% |
| Q4 2024 | $29.2M | $73.0M | 13.95% | 23.93% | 1.88% |
| Q1 2025 | $29.0M | $77.5M | 13.57% | 25.30% | 1.75% |
| Q2 2025 | $30.2M | $74.4M | 14.02% | 21.76% | 1.81% |
| Q3 2025 | $31.1M | $76.0M | 12.28% | 23.43% | 1.67% |
| Q4 2025 | $33.7M | $82.3M | 9.30% | 22.47% | 1.31% |
| Q1 2026 | $31.0M | $88.8M | 9.08% | 29.49% | 1.47% |
| Q2 2026 | $32.8M | $89.2M | 8.56% | 30.92% | 1.36% |
Integrity Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Integrity 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 Integrity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13450) · FFIEC NIC profile (RSSD 843953)