Southwest National 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.
Loan-to-deposit ratio climbed 5.48 percentage points in Q2 2026, from 101.91% to 107.38%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Southwest National Bank ranks 10th highest among the 182 banks headquartered in Kansas, at 107.38% (Q2 2026). Southwest National Bank reported 107.38% on loan-to-deposit ratio for Q2 2026, 26.55 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $433.6M |
| Net loans and leases | $429.9M |
| Loans held for sale | $0 |
| Loans to total assets | 86.36% |
| Loan-to-deposit ratio | 107.38% |
| Net loans to equity capital | 8.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.85% |
| Multifamily (5+ residential) | 3.22% |
| Commercial and industrial | 7.82% |
| Consumer | 49.76% |
| Credit cards | 0.00% |
| Farm | 0.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 200.87% |
| Construction concentration (Tier 1 capital + allowance) | 1.81% |
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 | 6.47% |
| Interest income on loans | $6.9M |
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 | $496.0M | $475.1M | 26.84% | 6.76% | 50.67% |
| Q4 2023 | $493.7M | $483.3M | 26.48% | 7.16% | 51.04% |
| Q1 2024 | $495.1M | $474.8M | 26.93% | 7.03% | 50.73% |
| Q2 2024 | $483.1M | $456.8M | 27.10% | 6.94% | 50.48% |
| Q3 2024 | $467.5M | $460.3M | 27.65% | 7.31% | 49.59% |
| Q4 2024 | $462.6M | $448.4M | 27.67% | 7.06% | 49.08% |
| Q1 2025 | $461.2M | $441.7M | 27.50% | 6.94% | 49.99% |
| Q2 2025 | $444.8M | $445.1M | 28.13% | 8.04% | 49.14% |
| Q3 2025 | $429.4M | $428.4M | 29.07% | 7.86% | 48.13% |
| Q4 2025 | $422.8M | $427.6M | 30.75% | 6.77% | 48.93% |
| Q1 2026 | $426.7M | $418.8M | 30.13% | 7.59% | 48.83% |
| Q2 2026 | $433.6M | $403.8M | 28.85% | 7.82% | 49.76% |
Southwest National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Southwest National 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 Southwest National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4801) · FFIEC NIC profile (RSSD 499855)