Southwind 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 Loan-to-deposit ratio: 0.80 percentage points lower than in Q1 2026, at 54.21%. Southwind Bank ranks 153rd of 182 Kansas banks on loan-to-deposit ratio, in the lower half at 54.21% (Q2 2026). Southwind Bank reported 54.21% on loan-to-deposit ratio for Q2 2026, 26.74 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $93.7M |
| Net loans and leases | $92.2M |
| Loans held for sale | $0 |
| Loans to total assets | 50.20% |
| Loan-to-deposit ratio | 54.21% |
| Net loans to equity capital | 7.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.56% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 9.40% |
| Consumer | 7.02% |
| Credit cards | 0.00% |
| Farm | 35.80% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.35% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 16.71% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
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 | 6.82% |
| Interest income on loans | $1.6M |
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 | $76.3M | $146.5M | 13.61% | 9.98% | 9.79% |
| Q4 2023 | $77.2M | $149.7M | 14.23% | 10.01% | 9.43% |
| Q1 2024 | $84.6M | $154.0M | 13.13% | 9.54% | 8.61% |
| Q2 2024 | $80.5M | $157.8M | 13.56% | 10.13% | 9.53% |
| Q3 2024 | $82.7M | $155.6M | 13.83% | 10.32% | 9.29% |
| Q4 2024 | $85.6M | $155.9M | 17.48% | 9.60% | 9.22% |
| Q1 2025 | $85.1M | $155.8M | 15.27% | 9.43% | 9.08% |
| Q2 2025 | $87.6M | $158.1M | 12.77% | 8.72% | 8.80% |
| Q3 2025 | $91.7M | $152.3M | 12.49% | 8.35% | 8.60% |
| Q4 2025 | $89.2M | $166.7M | 13.47% | 9.43% | 8.26% |
| Q1 2026 | $91.5M | $166.3M | 14.31% | 9.93% | 7.69% |
| Q2 2026 | $93.7M | $172.8M | 14.56% | 9.40% | 7.02% |
Southwind Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Southwind 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 Southwind Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4735) · FFIEC NIC profile (RSSD 276159)