Security Bank of Kansas City: 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 8.33 percentage points in Q2 2026, from 298.57% to 290.24%. It was the largest change from Q1 2026 among the key lines here. Security Bank of Kansas City ranks 124th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 66.01% (Q2 2026). Security Bank of Kansas City reported 66.01% on loan-to-deposit ratio for Q2 2026, 22.19 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.10B |
| Net loans and leases | $2.07B |
| Loans held for sale | $376K |
| Loans to total assets | 54.53% |
| Loan-to-deposit ratio | 66.01% |
| Net loans to equity capital | 4.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 51.64% |
| Multifamily (5+ residential) | 14.63% |
| Commercial and industrial | 8.79% |
| Consumer | 0.19% |
| Credit cards | 0.00% |
| Farm | 0.23% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.38% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 290.24% |
| Construction concentration (Tier 1 capital + allowance) | 65.04% |
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 | 6.20% |
| Interest income on loans | $31.9M |
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 | $1.87B | $2.90B | 53.11% | 8.56% | 0.40% |
| Q4 2023 | $1.95B | $2.82B | 54.33% | 8.36% | 0.37% |
| Q1 2024 | $1.99B | $2.85B | 53.01% | 8.13% | 0.33% |
| Q2 2024 | $2.03B | $2.86B | 53.25% | 8.43% | 0.27% |
| Q3 2024 | $1.95B | $2.94B | 51.11% | 8.41% | 0.28% |
| Q4 2024 | $1.95B | $2.89B | 49.11% | 8.09% | 0.25% |
| Q1 2025 | $2.01B | $2.97B | 47.86% | 8.75% | 0.23% |
| Q2 2025 | $2.00B | $2.97B | 48.57% | 7.65% | 0.24% |
| Q3 2025 | $2.06B | $3.07B | 46.78% | 7.77% | 0.23% |
| Q4 2025 | $2.10B | $3.13B | 49.71% | 6.72% | 0.21% |
| Q1 2026 | $2.15B | $3.18B | 52.56% | 8.35% | 0.21% |
| Q2 2026 | $2.10B | $3.19B | 51.64% | 8.79% | 0.19% |
Security Bank of Kansas City loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security Bank of Kansas City, 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 Security Bank of Kansas City profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4705) · FFIEC NIC profile (RSSD 1009354)