Security State 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.
Construction concentration (Tier 1 capital + allowance) dropped 11.80 percentage points in Q2 2026, from 46.21% to 34.41%. It was the largest change from Q1 2026 among the key lines here. Among 182 Kansas banks, Security State Bank sits 11th from the top on loan-to-deposit ratio, 104.56% as of Q2 2026. Security State Bank reported 104.56% on loan-to-deposit ratio for Q2 2026, 16.36 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $761.0M |
| Net loans and leases | $753.7M |
| Loans held for sale | $0 |
| Loans to total assets | 73.61% |
| Loan-to-deposit ratio | 104.56% |
| Net loans to equity capital | 6.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.75% |
| Multifamily (5+ residential) | 0.41% |
| Commercial and industrial | 16.04% |
| Consumer | 3.22% |
| Credit cards | 0.00% |
| Farm | 24.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 119.72% |
| Construction concentration (Tier 1 capital + allowance) | 34.41% |
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 | 6.96% |
| Interest income on loans | $13.2M |
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 | $350.4M | $306.6M | 14.27% | 14.41% | 3.57% |
| Q4 2023 | $370.8M | $332.8M | 14.38% | 13.09% | 4.40% |
| Q1 2024 | $401.8M | $338.0M | 13.99% | 10.89% | 3.27% |
| Q2 2024 | $652.2M | $641.3M | 12.89% | 18.48% | 4.90% |
| Q3 2024 | $672.8M | $650.3M | 14.07% | 16.69% | 4.66% |
| Q4 2024 | $715.2M | $691.4M | 14.65% | 15.41% | 4.39% |
| Q1 2025 | $751.0M | $776.9M | 15.67% | 15.72% | 3.88% |
| Q2 2025 | $749.2M | $776.1M | 16.60% | 15.39% | 3.73% |
| Q3 2025 | $753.5M | $759.5M | 16.60% | 15.29% | 3.65% |
| Q4 2025 | $764.3M | $798.3M | 16.89% | 15.39% | 3.51% |
| Q1 2026 | $759.1M | $739.2M | 17.92% | 14.38% | 3.23% |
| Q2 2026 | $761.0M | $727.9M | 18.75% | 16.04% | 3.22% |
Security State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State 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 Security State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18374) · FFIEC NIC profile (RSSD 319551)