The Marion National 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 3.29 percentage points in Q3 2026, from 58.72% to 62.00%. It was the largest change from Q2 2026 among the key lines here. Within Kansas, The Marion National Bank is 135th of 182 on loan-to-deposit ratio, 62.00% as of Q3 2026, below the middle of the field. The Marion National Bank reported 62.00% on loan-to-deposit ratio for Q3 2026, 5.92 points below the 67.92% median for banks in the < $100M asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $18.1M |
| Net loans and leases | $17.9M |
| Loans held for sale | $0 |
| Loans to total assets | 52.01% |
| Loan-to-deposit ratio | 62.00% |
| Net loans to equity capital | 3.38% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.67% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 13.99% |
| Consumer | 7.57% |
| Credit cards | 0.00% |
| Farm | 27.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 3.14% |
| Construction concentration (Tier 1 capital + allowance) | 1.12% |
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 | 5.93% |
| Interest income on loans | $269K |
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 | $10.3M | $26.2M | 1.39% | 30.10% | 6.10% |
| Q1 2024 | $10.2M | $24.1M | 1.51% | 29.99% | 7.59% |
| Q2 2024 | $10.7M | $23.9M | 1.38% | 28.30% | 7.58% |
| Q3 2024 | $10.7M | $23.4M | 1.33% | 27.43% | 8.60% |
| Q4 2024 | $11.3M | $24.4M | 1.23% | 24.05% | 7.96% |
| Q1 2025 | $11.8M | $28.1M | 1.13% | 22.24% | 7.73% |
| Q2 2025 | $12.6M | $25.6M | 1.01% | 21.03% | 6.92% |
| Q3 2025 | $14.2M | $25.7M | 0.87% | 18.56% | 5.81% |
| Q4 2025 | $15.6M | $27.4M | 0.75% | 16.48% | 8.75% |
| Q1 2026 | $15.4M | $29.3M | 0.89% | 16.93% | 9.48% |
| Q2 2026 | $17.5M | $29.8M | 0.77% | 15.63% | 7.86% |
| Q3 2026 | $18.1M | $29.3M | 0.67% | 13.99% | 7.57% |
The Marion National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Marion National 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 The Marion National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4728) · FFIEC NIC profile (RSSD 167752)