Johnson 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 5.06 percentage points higher than in Q1 2026, at 44.28%. On loan-to-deposit ratio, Johnson State Bank is 15th from the bottom among 182 Kansas banks, 44.28% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Johnson State Bank sits 23.34 points lower, at 44.28% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $35.7M |
| Net loans and leases | $34.3M |
| Loans held for sale | $0 |
| Loans to total assets | 36.99% |
| Loan-to-deposit ratio | 44.28% |
| Net loans to equity capital | 2.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.47% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 11.07% |
| Consumer | 3.40% |
| Credit cards | 0.00% |
| Farm | 48.08% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 29.52% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 7.90% |
| Interest income on loans | $674K |
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 | $33.4M | $79.8M | 28.50% | 7.03% | 3.33% |
| Q4 2023 | $32.6M | $76.8M | 28.04% | 7.51% | 3.37% |
| Q1 2024 | $31.4M | $79.6M | 26.48% | 8.79% | 3.34% |
| Q2 2024 | $36.8M | $79.9M | 22.32% | 10.07% | 2.94% |
| Q3 2024 | $33.4M | $76.2M | 24.42% | 12.14% | 3.31% |
| Q4 2024 | $30.8M | $78.3M | 17.24% | 13.23% | 3.68% |
| Q1 2025 | $31.9M | $75.5M | 13.90% | 11.96% | 3.39% |
| Q2 2025 | $35.3M | $71.9M | 12.54% | 11.43% | 2.87% |
| Q3 2025 | $35.7M | $72.8M | 12.21% | 11.83% | 3.08% |
| Q4 2025 | $34.9M | $78.4M | 12.05% | 13.53% | 3.01% |
| Q1 2026 | $33.4M | $85.1M | 12.76% | 9.28% | 3.33% |
| Q2 2026 | $35.7M | $80.7M | 13.47% | 11.07% | 3.40% |
Johnson State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Johnson 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 Johnson State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15237) · FFIEC NIC profile (RSSD 235950)