State Bank of Bern: 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.
Farm climbed 3.49 percentage points in Q2 2026, from 28.38% to 31.87%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, State Bank of Bern is 129th of 182 on loan-to-deposit ratio, 65.17% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. State Bank of Bern sits 15.78 points lower, at 65.17% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $69.5M |
| Net loans and leases | $68.5M |
| Loans held for sale | $0 |
| Loans to total assets | 54.22% |
| Loan-to-deposit ratio | 65.17% |
| Net loans to equity capital | 3.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.60% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 5.39% |
| Consumer | 1.90% |
| Credit cards | 0.00% |
| Farm | 31.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.75% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.07% |
| 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 | 6.59% |
| Interest income on loans | $1.1M |
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 | $54.7M | $91.8M | 4.52% | 4.18% | 3.13% |
| Q4 2023 | $59.9M | $93.0M | 4.42% | 3.70% | 2.75% |
| Q1 2024 | $57.3M | $98.0M | 4.65% | 4.28% | 3.06% |
| Q2 2024 | $57.4M | $96.0M | 6.17% | 3.92% | 3.61% |
| Q3 2024 | $59.3M | $95.1M | 6.03% | 3.86% | 2.96% |
| Q4 2024 | $63.9M | $95.6M | 5.36% | 3.64% | 2.64% |
| Q1 2025 | $61.6M | $97.4M | 1.97% | 3.88% | 2.84% |
| Q2 2025 | $64.0M | $99.0M | 1.95% | 3.10% | 2.86% |
| Q3 2025 | $65.6M | $98.3M | 1.84% | 2.92% | 2.90% |
| Q4 2025 | $71.8M | $101.5M | 1.63% | 3.41% | 1.87% |
| Q1 2026 | $69.6M | $105.5M | 1.64% | 5.39% | 1.99% |
| Q2 2026 | $69.5M | $106.7M | 1.60% | 5.39% | 1.90% |
State Bank of Bern loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Bern, 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 State Bank of Bern profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10919) · FFIEC NIC profile (RSSD 1013650)