NBKC 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 2.47 percentage points higher than in Q1 2026, at 148.78%. Within Kansas, NBKC Bank is 38th of 182 on loan-to-deposit ratio, 90.99% as of Q2 2026. NBKC Bank reported 90.99% on loan-to-deposit ratio for Q2 2026, 2.79 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $915.6M |
| Net loans and leases | $903.8M |
| Loans held for sale | $80.6M |
| Loans to total assets | 73.76% |
| Loan-to-deposit ratio | 90.99% |
| Net loans to equity capital | 4.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.38% |
| Multifamily (5+ residential) | 4.45% |
| Commercial and industrial | 4.76% |
| Consumer | 3.10% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 148.78% |
| Construction concentration (Tier 1 capital + allowance) | 26.39% |
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 | 6.08% |
| Interest income on loans | $13.2M |
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 | $651.3M | $920.3M | 35.85% | 2.36% | 2.80% |
| Q4 2023 | $683.6M | $876.3M | 36.32% | 2.04% | 2.64% |
| Q1 2024 | $727.1M | $971.3M | 34.09% | 2.13% | 2.52% |
| Q2 2024 | $770.3M | $891.1M | 31.95% | 2.71% | 2.29% |
| Q3 2024 | $809.0M | $897.9M | 32.61% | 2.37% | 2.18% |
| Q4 2024 | $806.7M | $926.8M | 31.33% | 3.67% | 2.18% |
| Q1 2025 | $825.7M | $916.8M | 29.89% | 4.00% | 2.13% |
| Q2 2025 | $831.6M | $923.5M | 29.61% | 4.30% | 2.21% |
| Q3 2025 | $857.3M | $940.0M | 29.52% | 5.02% | 1.99% |
| Q4 2025 | $892.0M | $1.03B | 28.83% | 4.48% | 2.13% |
| Q1 2026 | $897.2M | $996.6M | 28.54% | 4.37% | 2.91% |
| Q2 2026 | $915.6M | $1.01B | 29.38% | 4.76% | 3.10% |
NBKC Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock NBKC 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 NBKC Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35014) · FFIEC NIC profile (RSSD 2747587)