The Riley State Bank of Riley Kansas: 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.
Commercial and industrial dropped 4.60 percentage points in Q2 2026, from 25.15% to 20.56%. It was the largest change from Q1 2026 among the key lines here. The Riley State Bank of Riley Kansas ranks 81st of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 77.52% (Q2 2026). The Riley State Bank of Riley Kansas reported 77.52% on loan-to-deposit ratio for Q2 2026, 3.42 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $89.3M |
| Net loans and leases | $88.0M |
| Loans held for sale | $0 |
| Loans to total assets | 67.70% |
| Loan-to-deposit ratio | 77.52% |
| Net loans to equity capital | 6.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.88% |
| Multifamily (5+ residential) | 0.28% |
| Commercial and industrial | 20.56% |
| Consumer | 5.26% |
| Credit cards | 0.00% |
| Farm | 19.69% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 26.85% |
| Construction concentration (Tier 1 capital + allowance) | 25.21% |
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 | 6.60% |
| Interest income on loans | $1.5M |
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 | $68.5M | $94.6M | 2.72% | 17.77% | 5.66% |
| Q4 2023 | $72.2M | $97.1M | 2.49% | 16.83% | 5.18% |
| Q1 2024 | $71.0M | $99.5M | 2.47% | 19.01% | 5.57% |
| Q2 2024 | $74.5M | $101.4M | 1.64% | 20.60% | 5.48% |
| Q3 2024 | $73.3M | $97.2M | 1.48% | 20.45% | 5.57% |
| Q4 2024 | $80.0M | $99.4M | 1.31% | 20.73% | 5.01% |
| Q1 2025 | $81.8M | $100.8M | 1.31% | 21.93% | 4.82% |
| Q2 2025 | $78.6M | $103.9M | 1.38% | 20.47% | 5.33% |
| Q3 2025 | $76.9M | $103.6M | 1.18% | 20.88% | 5.58% |
| Q4 2025 | $84.2M | $107.1M | 1.00% | 19.34% | 5.18% |
| Q1 2026 | $86.1M | $113.8M | 0.94% | 25.15% | 4.95% |
| Q2 2026 | $89.3M | $115.2M | 1.88% | 20.56% | 5.26% |
The Riley State Bank of Riley Kansas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Riley State Bank of Riley Kansas, 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 Riley State Bank of Riley Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16120) · FFIEC NIC profile (RSSD 532752)