Kaw Valley 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) dropped 18.35 percentage points in Q2 2026, from 266.93% to 248.58%. It was the largest change from Q1 2026 among the key lines here. Among 182 Kansas banks, Kaw Valley Bank sits 17th from the top on loan-to-deposit ratio, 99.19% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Kaw Valley Bank sits 18.25 points higher, at 99.19% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $280.7M |
| Net loans and leases | $277.1M |
| Loans held for sale | $0 |
| Loans to total assets | 82.67% |
| Loan-to-deposit ratio | 99.19% |
| Net loans to equity capital | 6.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.24% |
| Multifamily (5+ residential) | 1.21% |
| Commercial and industrial | 17.26% |
| Consumer | 1.80% |
| Credit cards | 0.00% |
| Farm | 5.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 248.58% |
| Construction concentration (Tier 1 capital + allowance) | 72.42% |
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 | 6.84% |
| Interest income on loans | $4.7M |
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 | $238.2M | $265.6M | 34.76% | 20.18% | 2.48% |
| Q4 2023 | $237.5M | $263.4M | 34.55% | 19.80% | 2.57% |
| Q1 2024 | $240.3M | $260.4M | 35.56% | 18.60% | 2.48% |
| Q2 2024 | $244.9M | $253.1M | 33.80% | 18.09% | 2.41% |
| Q3 2024 | $249.8M | $256.6M | 34.36% | 18.15% | 2.23% |
| Q4 2024 | $244.8M | $257.7M | 33.08% | 18.70% | 2.24% |
| Q1 2025 | $245.4M | $267.4M | 32.62% | 18.99% | 2.33% |
| Q2 2025 | $247.0M | $258.8M | 33.46% | 18.69% | 2.33% |
| Q3 2025 | $251.1M | $259.0M | 37.74% | 18.77% | 2.24% |
| Q4 2025 | $256.3M | $271.1M | 36.63% | 17.25% | 2.09% |
| Q1 2026 | $283.8M | $289.0M | 38.24% | 15.97% | 2.14% |
| Q2 2026 | $280.7M | $283.0M | 37.24% | 17.26% | 1.80% |
Kaw Valley Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Kaw Valley 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 Kaw Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9665) · FFIEC NIC profile (RSSD 485456)