Kansas 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 Commercial real estate (nonfarm nonresidential): 3.35 percentage points higher than in Q1 2026, at 16.84%. Kansas State Bank has the 13th lowest loan-to-deposit ratio of the 182 banks headquartered in Kansas, at 42.22% as of Q2 2026. Kansas State Bank reported 42.22% on loan-to-deposit ratio for Q2 2026, 38.72 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $79.4M |
| Net loans and leases | $78.0M |
| Loans held for sale | $157K |
| Loans to total assets | 38.08% |
| Loan-to-deposit ratio | 42.22% |
| Net loans to equity capital | 4.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.84% |
| Multifamily (5+ residential) | 3.34% |
| Commercial and industrial | 11.06% |
| Consumer | 2.65% |
| Credit cards | 0.00% |
| Farm | 9.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 71.01% |
| Construction concentration (Tier 1 capital + allowance) | 19.36% |
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 | 6.69% |
| Interest income on loans | $1.3M |
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 | $75.3M | $159.5M | 15.90% | 11.04% | 4.33% |
| Q4 2023 | $76.8M | $176.9M | 15.38% | 11.11% | 3.77% |
| Q1 2024 | $77.0M | $169.8M | 15.33% | 12.75% | 3.56% |
| Q2 2024 | $74.5M | $180.9M | 15.25% | 12.40% | 3.52% |
| Q3 2024 | $73.5M | $157.6M | 15.24% | 11.51% | 3.50% |
| Q4 2024 | $76.8M | $184.5M | 14.97% | 11.48% | 3.17% |
| Q1 2025 | $78.0M | $174.5M | 14.53% | 12.17% | 3.07% |
| Q2 2025 | $80.6M | $182.9M | 14.45% | 11.37% | 3.56% |
| Q3 2025 | $78.6M | $163.2M | 12.52% | 12.47% | 2.92% |
| Q4 2025 | $79.8M | $192.0M | 13.01% | 11.36% | 2.61% |
| Q1 2026 | $78.1M | $179.2M | 13.49% | 11.56% | 2.44% |
| Q2 2026 | $79.4M | $187.9M | 16.84% | 11.06% | 2.65% |
Kansas State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Kansas 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 Kansas State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10505) · FFIEC NIC profile (RSSD 287959)