Silver Lake 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 Construction concentration (Tier 1 capital + allowance): 7.88 percentage points higher than in Q1 2026, at 93.81%. Silver Lake Bank ranks 45th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 88.94% (Q2 2026). Silver Lake Bank reported 88.94% on loan-to-deposit ratio for Q2 2026, 7.99 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $395.3M |
| Net loans and leases | $391.3M |
| Loans held for sale | $0 |
| Loans to total assets | 72.11% |
| Loan-to-deposit ratio | 88.94% |
| Net loans to equity capital | 6.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.31% |
| Multifamily (5+ residential) | 2.44% |
| Commercial and industrial | 18.55% |
| Consumer | 0.50% |
| Credit cards | 0.00% |
| Farm | 4.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 175.01% |
| Construction concentration (Tier 1 capital + allowance) | 93.81% |
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 | 7.31% |
| Interest income on loans | $7.0M |
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 | $329.7M | $334.9M | 30.00% | 18.16% | 0.83% |
| Q4 2023 | $335.5M | $333.4M | 29.32% | 18.19% | 0.76% |
| Q1 2024 | $338.5M | $366.0M | 28.84% | 17.98% | 0.83% |
| Q2 2024 | $347.0M | $398.3M | 27.45% | 18.50% | 0.87% |
| Q3 2024 | $342.7M | $371.3M | 28.65% | 17.57% | 0.95% |
| Q4 2024 | $339.0M | $375.4M | 28.72% | 18.63% | 0.87% |
| Q1 2025 | $344.9M | $400.3M | 28.97% | 19.46% | 0.76% |
| Q2 2025 | $353.1M | $412.6M | 29.05% | 18.27% | 0.86% |
| Q3 2025 | $371.7M | $377.1M | 28.47% | 18.04% | 0.64% |
| Q4 2025 | $365.6M | $395.2M | 26.62% | 17.11% | 0.60% |
| Q1 2026 | $369.0M | $431.7M | 25.26% | 16.41% | 0.63% |
| Q2 2026 | $395.3M | $444.5M | 25.31% | 18.55% | 0.50% |
Silver Lake Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Silver Lake 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 Silver Lake Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15323) · FFIEC NIC profile (RSSD 326054)