The Kaw Valley State Bank and Trust Company, of Wamego, Kansas: 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.
Construction concentration (tier 1 capital + allowance) climbed 5.46 percentage points in Q3 2026, from 22.90% to 28.36%. It was the largest change from Q2 2026 among the key lines here. Within Kansas, The Kaw Valley State Bank and Trust Company, of Wamego, Kansas is 88th of 182 on loan-to-deposit ratio, 76.61% as of Q3 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Kaw Valley State Bank and Trust Company, of Wamego, Kansas sits 4.22 points lower, at 76.61% (Q3 2026); the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $195.0M |
| Net loans and leases | $192.6M |
| Loans held for sale | $346K |
| Loans to total assets | 66.18% |
| Loan-to-deposit ratio | 76.61% |
| Net loans to equity capital | 5.76% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.33% |
| Multifamily (5+ residential) | 2.54% |
| Commercial and industrial | 12.56% |
| Consumer | 2.22% |
| Credit cards | 0.59% |
| Farm | 18.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.01% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 67.03% |
| Construction concentration (Tier 1 capital + allowance) | 28.36% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 7.19% |
| Interest income on loans | $3.5M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $121.7M | $207.2M | 16.73% | 14.94% | 3.14% |
| Q1 2024 | $130.6M | $209.0M | 15.82% | 16.20% | 2.90% |
| Q2 2024 | $134.0M | $207.7M | 15.40% | 15.95% | 2.86% |
| Q3 2024 | $130.6M | $213.4M | 15.92% | 16.67% | 2.84% |
| Q4 2024 | $139.9M | $223.2M | 15.06% | 15.88% | 2.76% |
| Q1 2025 | $147.6M | $225.7M | 15.26% | 15.66% | 2.59% |
| Q2 2025 | $155.5M | $247.4M | 15.10% | 14.96% | 2.80% |
| Q3 2025 | $157.8M | $246.9M | 17.55% | 12.51% | 2.71% |
| Q4 2025 | $173.4M | $257.4M | 15.34% | 11.63% | 2.56% |
| Q1 2026 | $184.9M | $260.3M | 14.49% | 11.62% | 2.12% |
| Q2 2026 | $195.0M | $250.6M | 13.82% | 12.68% | 2.15% |
| Q3 2026 | $195.0M | $254.5M | 14.33% | 12.56% | 2.22% |
The Kaw Valley State Bank and Trust Company, of Wamego, Kansas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Kaw Valley State Bank and Trust Company, of Wamego, Kansas, 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 The Kaw Valley State Bank and Trust Company, of Wamego, Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17832) · FFIEC NIC profile (RSSD 368951)