INTRUST Bank, N.A.: 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): 8.27 percentage points lower than in Q1 2026, at 189.37%. INTRUST Bank, N.A. ranks 101st of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 73.20% (Q2 2026). INTRUST Bank, N.A. reported 73.20% on loan-to-deposit ratio for Q2 2026, 15.00 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $4.36B |
| Net loans and leases | $4.30B |
| Loans held for sale | $830K |
| Loans to total assets | 64.42% |
| Loan-to-deposit ratio | 73.20% |
| Net loans to equity capital | 8.58% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.12% |
| Multifamily (5+ residential) | 7.85% |
| Commercial and industrial | 32.79% |
| Consumer | 3.87% |
| Credit cards | 0.00% |
| Farm | 0.41% |
| Loans to depository institutions | 0.14% |
| State and political subdivisions | 2.17% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 189.37% |
| Construction concentration (Tier 1 capital + allowance) | 43.67% |
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 | — |
| Interest income on loans | $67.3M |
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 | $3.95B | $6.47B | 32.27% | 33.60% | 5.80% |
| Q4 2023 | $3.97B | $6.77B | 35.47% | 32.34% | 5.56% |
| Q1 2024 | $4.03B | $6.53B | 35.49% | 32.10% | 5.18% |
| Q2 2024 | $4.15B | $6.55B | 34.05% | 31.90% | 4.83% |
| Q3 2024 | $4.11B | $6.65B | 34.56% | 31.68% | 4.58% |
| Q4 2024 | $4.11B | $6.49B | 33.69% | 32.52% | 4.49% |
| Q1 2025 | $4.22B | $6.48B | 32.93% | 33.70% | 4.46% |
| Q2 2025 | $4.20B | $6.16B | 33.23% | 33.46% | 4.55% |
| Q3 2025 | $4.15B | $6.05B | 31.38% | 32.90% | 4.54% |
| Q4 2025 | $4.19B | $6.29B | 31.16% | 31.80% | 4.26% |
| Q1 2026 | $4.29B | $6.04B | 30.93% | 31.88% | 3.99% |
| Q2 2026 | $4.36B | $5.95B | 31.12% | 32.79% | 3.87% |
INTRUST Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock INTRUST Bank, N.A., 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 INTRUST Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4799) · FFIEC NIC profile (RSSD 557858)