Outdoor 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): 11.46 percentage points higher than in Q1 2026, at 221.29%. Within Kansas, Outdoor Bank is 63rd of 182 on loan-to-deposit ratio, 83.05% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio; Outdoor Bank reported 83.05% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $475.1M |
| Net loans and leases | $463.2M |
| Loans held for sale | $0 |
| Loans to total assets | 73.23% |
| Loan-to-deposit ratio | 83.05% |
| Net loans to equity capital | 7.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.28% |
| Multifamily (5+ residential) | 2.39% |
| Commercial and industrial | 13.36% |
| Consumer | 0.13% |
| Credit cards | 0.00% |
| Farm | 14.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 221.29% |
| Construction concentration (Tier 1 capital + allowance) | 64.25% |
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 | 6.95% |
| Interest income on loans | $8.3M |
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 | $388.8M | $434.4M | 21.53% | 24.17% | 0.54% |
| Q4 2023 | $395.5M | $532.4M | 20.26% | 24.07% | 0.47% |
| Q1 2024 | $394.6M | $485.5M | 20.19% | 24.67% | 0.36% |
| Q2 2024 | $428.0M | $489.2M | 22.48% | 24.79% | 0.27% |
| Q3 2024 | $459.7M | $495.5M | 24.16% | 23.15% | 0.21% |
| Q4 2024 | $487.4M | $541.6M | 23.36% | 21.73% | 0.18% |
| Q1 2025 | $488.0M | $616.8M | 23.47% | 20.29% | 0.15% |
| Q2 2025 | $502.3M | $545.0M | 25.09% | 19.23% | 0.12% |
| Q3 2025 | $481.2M | $510.4M | 26.44% | 18.22% | 0.11% |
| Q4 2025 | $488.3M | $585.4M | 26.88% | 16.31% | 0.11% |
| Q1 2026 | $473.5M | $557.0M | 27.96% | 15.29% | 0.12% |
| Q2 2026 | $475.1M | $572.1M | 33.28% | 13.36% | 0.13% |
Outdoor Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Outdoor 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 Outdoor Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17685) · FFIEC NIC profile (RSSD 43351)