KCB 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.
Loan-to-deposit ratio climbed 6.04 percentage points in Q2 2026, from 63.35% to 69.39%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, KCB Bank is 112th of 182 on loan-to-deposit ratio, 69.39% as of Q2 2026. KCB Bank reported 69.39% on loan-to-deposit ratio for Q2 2026, 11.17 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $196.7M |
| Net loans and leases | $193.3M |
| Loans held for sale | $0 |
| Loans to total assets | 61.03% |
| Loan-to-deposit ratio | 69.39% |
| Net loans to equity capital | 5.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.21% |
| Multifamily (5+ residential) | 1.89% |
| Commercial and industrial | 13.49% |
| Consumer | 2.07% |
| Credit cards | 0.00% |
| Farm | 23.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.80% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 63.19% |
| Construction concentration (Tier 1 capital + allowance) | 4.96% |
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 | 6.94% |
| Interest income on loans | $3.3M |
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 | $161.7M | $243.8M | 19.34% | 19.18% | 2.69% |
| Q4 2023 | $158.3M | $261.7M | 19.24% | 19.26% | 2.62% |
| Q1 2024 | $165.2M | $274.9M | 18.11% | 23.12% | 2.46% |
| Q2 2024 | $177.6M | $270.2M | 16.21% | 23.06% | 2.21% |
| Q3 2024 | $176.9M | $268.8M | 16.14% | 21.51% | 2.11% |
| Q4 2024 | $174.9M | $280.2M | 15.94% | 20.33% | 2.24% |
| Q1 2025 | $178.4M | $281.1M | 15.90% | 21.23% | 2.10% |
| Q2 2025 | $200.2M | $274.5M | 20.08% | 19.65% | 1.99% |
| Q3 2025 | $197.6M | $285.7M | 19.40% | 17.08% | 1.99% |
| Q4 2025 | $195.6M | $300.0M | 19.36% | 17.15% | 2.01% |
| Q1 2026 | $184.7M | $291.6M | 20.23% | 13.93% | 2.15% |
| Q2 2026 | $196.7M | $283.5M | 19.21% | 13.49% | 2.07% |
KCB Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock KCB 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 KCB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15194) · FFIEC NIC profile (RSSD 5751)