Ninnescah Valley 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 Commercial and industrial: 3.04 percentage points lower than in Q1 2026, at 16.24%. Ninnescah Valley Bank has the 15th lowest loan-to-deposit ratio of the 182 banks headquartered in Kansas, at 45.22% as of Q2 2026. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Ninnescah Valley Bank sits 22.71 points lower, at 45.22% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $18.3M |
| Net loans and leases | $18.0M |
| Loans held for sale | $0 |
| Loans to total assets | 41.09% |
| Loan-to-deposit ratio | 45.22% |
| Net loans to equity capital | 4.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.41% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 16.24% |
| Consumer | 3.63% |
| Credit cards | 0.00% |
| Farm | 19.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 3.29% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 7.45% |
| Interest income on loans | $335K |
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 | $14.6M | $34.5M | 2.67% | 14.00% | 5.74% |
| Q4 2023 | $15.8M | $34.2M | 2.44% | 14.91% | 5.21% |
| Q1 2024 | $16.1M | $36.7M | 2.23% | 15.09% | 4.44% |
| Q2 2024 | $16.7M | $35.6M | 2.10% | 16.76% | 4.04% |
| Q3 2024 | $17.1M | $35.3M | 2.01% | 15.59% | 4.80% |
| Q4 2024 | $16.1M | $38.2M | 2.28% | 14.62% | 4.61% |
| Q1 2025 | $16.5M | $39.8M | 2.19% | 15.38% | 4.36% |
| Q2 2025 | $17.6M | $39.0M | 2.01% | 13.70% | 3.98% |
| Q3 2025 | $17.5M | $38.1M | 3.86% | 16.47% | 4.29% |
| Q4 2025 | $16.7M | $36.5M | 3.95% | 16.97% | 3.89% |
| Q1 2026 | $17.1M | $40.1M | 4.53% | 19.28% | 3.90% |
| Q2 2026 | $18.3M | $40.5M | 7.41% | 16.24% | 3.63% |
Ninnescah Valley Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ninnescah Valley 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 Ninnescah Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4652) · FFIEC NIC profile (RSSD 789051)