KS Statebank: 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 CRE concentration (Tier 1 capital + allowance): 1.10 percentage points higher than in Q1 2026, at 122.07%. KS Statebank ranks 23rd of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 94.56% (Q2 2026). KS Statebank reported 94.56% on loan-to-deposit ratio for Q2 2026, 6.36 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.05B |
| Net loans and leases | $2.01B |
| Loans held for sale | $0 |
| Loans to total assets | 78.93% |
| Loan-to-deposit ratio | 94.56% |
| Net loans to equity capital | 5.88% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 38.39% |
| Multifamily (5+ residential) | 4.22% |
| Commercial and industrial | 13.79% |
| Consumer | 0.31% |
| Credit cards | 0.16% |
| Farm | 1.46% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 6.90% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 122.07% |
| Construction concentration (Tier 1 capital + allowance) | 20.73% |
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 | $31.0M |
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 | $1.95B | $2.04B | 32.64% | 12.22% | 0.46% |
| Q4 2023 | $1.96B | $2.09B | 33.10% | 12.69% | 0.41% |
| Q1 2024 | $1.94B | $2.01B | 33.86% | 12.66% | 0.40% |
| Q2 2024 | $1.96B | $2.01B | 34.14% | 12.94% | 0.39% |
| Q3 2024 | $1.98B | $2.03B | 35.62% | 12.32% | 0.42% |
| Q4 2024 | $2.01B | $2.04B | 35.50% | 13.31% | 0.37% |
| Q1 2025 | $2.04B | $2.23B | 35.86% | 13.37% | 0.35% |
| Q2 2025 | $2.04B | $2.23B | 35.70% | 13.41% | 0.33% |
| Q3 2025 | $2.05B | $2.26B | 36.22% | 13.38% | 0.32% |
| Q4 2025 | $2.06B | $2.22B | 37.01% | 13.18% | 0.31% |
| Q1 2026 | $2.02B | $2.16B | 37.64% | 14.14% | 0.33% |
| Q2 2026 | $2.05B | $2.17B | 38.39% | 13.79% | 0.31% |
KS Statebank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock KS Statebank, 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 KS Statebank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19899) · FFIEC NIC profile (RSSD 160959)