Patriots 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 10.28 percentage points in Q2 2026, from 198.67% to 188.40%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Patriots Bank is 47th of 182 on loan-to-deposit ratio, 87.78% as of Q2 2026, above the middle of the field. Patriots Bank reported 87.78% on loan-to-deposit ratio for Q2 2026, 6.94 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $204.9M |
| Net loans and leases | $202.7M |
| Loans held for sale | $528K |
| Loans to total assets | 76.22% |
| Loan-to-deposit ratio | 87.78% |
| Net loans to equity capital | 8.57% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 60.50% |
| Multifamily (5+ residential) | 0.08% |
| Commercial and industrial | 7.33% |
| Consumer | 3.24% |
| Credit cards | 0.00% |
| Farm | 5.68% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 188.40% |
| Construction concentration (Tier 1 capital + allowance) | 15.97% |
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 | 7.80% |
| Interest income on loans | $4.0M |
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 | $171.3M | $199.7M | 51.71% | 7.69% | 4.48% |
| Q4 2023 | $176.6M | $198.2M | 56.06% | 5.65% | 4.33% |
| Q1 2024 | $175.5M | $202.8M | 57.12% | 6.09% | 4.52% |
| Q2 2024 | $182.9M | $210.3M | 56.35% | 6.40% | 4.61% |
| Q3 2024 | $181.7M | $208.5M | 57.91% | 5.93% | 4.40% |
| Q4 2024 | $184.4M | $205.8M | 57.94% | 6.34% | 4.03% |
| Q1 2025 | $174.6M | $210.9M | 59.46% | 6.06% | 4.04% |
| Q2 2025 | $188.1M | $223.1M | 62.19% | 5.40% | 3.66% |
| Q3 2025 | $197.8M | $222.7M | 61.43% | 8.07% | 2.84% |
| Q4 2025 | $203.6M | $230.8M | 60.02% | 7.70% | 2.71% |
| Q1 2026 | $208.7M | $241.0M | 60.14% | 7.90% | 2.67% |
| Q2 2026 | $204.9M | $233.4M | 60.50% | 7.33% | 3.24% |
Patriots Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Patriots 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 Patriots Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18019) · FFIEC NIC profile (RSSD 297051)