SJN Bank of 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.30 percentage points higher than in Q1 2026, at 49.44%. SJN Bank of Kansas ranks 104th of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 72.93% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. SJN Bank of Kansas sits 7.91 points lower, at 72.93% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $189.3M |
| Net loans and leases | $185.3M |
| Loans held for sale | $0 |
| Loans to total assets | 62.49% |
| Loan-to-deposit ratio | 72.93% |
| Net loans to equity capital | 6.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.66% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 28.68% |
| Consumer | 1.80% |
| Credit cards | 0.00% |
| Farm | 19.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 49.44% |
| Construction concentration (Tier 1 capital + allowance) | 5.94% |
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 | 6.89% |
| Interest income on loans | $3.2M |
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 | $127.9M | $179.0M | 7.86% | 30.51% | 1.55% |
| Q4 2023 | $131.5M | $196.4M | 8.10% | 28.73% | 1.60% |
| Q1 2024 | $131.8M | $192.7M | 8.72% | 30.63% | 1.78% |
| Q2 2024 | $142.9M | $186.7M | 7.72% | 30.67% | 1.67% |
| Q3 2024 | $155.6M | $189.1M | 7.12% | 31.03% | 1.65% |
| Q4 2024 | $163.2M | $201.4M | 7.48% | 29.83% | 1.53% |
| Q1 2025 | $158.1M | $202.6M | 7.69% | 30.04% | 1.45% |
| Q2 2025 | $161.0M | $197.3M | 7.37% | 31.02% | 1.48% |
| Q3 2025 | $170.6M | $199.9M | 7.31% | 29.19% | 1.30% |
| Q4 2025 | $203.4M | $260.3M | 7.22% | 23.91% | 1.69% |
| Q1 2026 | $188.1M | $255.2M | 6.89% | 26.50% | 1.75% |
| Q2 2026 | $189.3M | $259.6M | 7.66% | 28.68% | 1.80% |
SJN Bank of Kansas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock SJN Bank of 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 SJN Bank of Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4766) · FFIEC NIC profile (RSSD 412555)