Kish 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.
Construction concentration (Tier 1 capital + allowance) dropped 15.04 percentage points in Q2 2026, from 99.10% to 84.06%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Kish Bank ranks 4th highest among the 109 banks headquartered in Pennsylvania, at 117.33% (Q2 2026). Kish Bank reported 117.33% on loan-to-deposit ratio for Q2 2026, 29.12 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.78B |
| Net loans and leases | $1.77B |
| Loans held for sale | $3.6M |
| Loans to total assets | 85.44% |
| Loan-to-deposit ratio | 117.33% |
| Net loans to equity capital | 10.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.07% |
| Multifamily (5+ residential) | 17.24% |
| Commercial and industrial | 10.87% |
| Consumer | 0.27% |
| Credit cards | 0.00% |
| Farm | 1.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.81% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 410.29% |
| Construction concentration (Tier 1 capital + allowance) | 84.06% |
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 | 6.22% |
| Interest income on loans | $26.9M |
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 | $1.16B | $1.13B | 24.08% | 11.86% | 0.44% |
| Q4 2023 | $1.23B | $1.18B | 24.15% | 11.69% | 0.41% |
| Q1 2024 | $1.26B | $1.20B | 23.51% | 10.66% | 0.41% |
| Q2 2024 | $1.32B | $1.27B | 22.96% | 11.48% | 0.39% |
| Q3 2024 | $1.37B | $1.30B | 22.69% | 11.34% | 0.38% |
| Q4 2024 | $1.42B | $1.30B | 23.16% | 11.02% | 0.35% |
| Q1 2025 | $1.50B | $1.30B | 23.64% | 11.08% | 0.35% |
| Q2 2025 | $1.56B | $1.36B | 23.82% | 9.80% | 0.34% |
| Q3 2025 | $1.65B | $1.40B | 24.93% | 9.26% | 0.33% |
| Q4 2025 | $1.70B | $1.48B | 25.85% | 9.07% | 0.33% |
| Q1 2026 | $1.71B | $1.52B | 26.40% | 9.48% | 0.32% |
| Q2 2026 | $1.78B | $1.52B | 26.07% | 10.87% | 0.27% |
Kish Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Kish 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 Kish Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14969) · FFIEC NIC profile (RSSD 600419)