Labette 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 2.53 percentage points in Q2 2026, from 73.21% to 70.68%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Labette Bank is 117th of 182 on loan-to-deposit ratio, 68.09% as of Q2 2026. Labette Bank reported 68.09% on loan-to-deposit ratio for Q2 2026, 12.46 points below the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $311.3M |
| Net loans and leases | $307.6M |
| Loans held for sale | $0 |
| Loans to total assets | 57.18% |
| Loan-to-deposit ratio | 68.09% |
| Net loans to equity capital | 4.38% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.43% |
| Multifamily (5+ residential) | 0.66% |
| Commercial and industrial | 3.11% |
| Consumer | 3.82% |
| Credit cards | 0.00% |
| Farm | 31.24% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 70.68% |
| Construction concentration (Tier 1 capital + allowance) | 5.87% |
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 | 6.47% |
| Interest income on loans | $5.0M |
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 | $308.5M | $416.8M | 24.82% | 3.72% | 4.18% |
| Q4 2023 | $312.9M | $428.7M | 24.42% | 3.66% | 4.10% |
| Q1 2024 | $321.3M | $436.7M | 26.42% | 3.59% | 4.08% |
| Q2 2024 | $329.3M | $426.7M | 26.08% | 3.54% | 4.21% |
| Q3 2024 | $327.9M | $408.8M | 25.43% | 3.71% | 4.18% |
| Q4 2024 | $324.3M | $418.0M | 25.36% | 3.60% | 4.19% |
| Q1 2025 | $316.7M | $433.7M | 25.54% | 3.53% | 4.13% |
| Q2 2025 | $315.5M | $427.4M | 25.18% | 4.02% | 4.06% |
| Q3 2025 | $311.2M | $416.5M | 24.71% | 3.83% | 4.04% |
| Q4 2025 | $308.7M | $442.3M | 24.02% | 3.74% | 3.96% |
| Q1 2026 | $307.5M | $461.4M | 23.78% | 3.27% | 3.90% |
| Q2 2026 | $311.3M | $457.2M | 23.43% | 3.11% | 3.82% |
Labette Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Labette 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 Labette Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17068) · FFIEC NIC profile (RSSD 483751)