State Bank of Canton: 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.
Cre concentration (tier 1 capital + allowance) climbed 2.24 percentage points in Q2 2026, from 48.94% to 51.18%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, State Bank of Canton is 149th of 182 on loan-to-deposit ratio, 57.09% as of Q2 2026, below the middle of the field. State Bank of Canton reported 57.09% on loan-to-deposit ratio for Q2 2026, 10.83 points below the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $16.2M |
| Net loans and leases | $16.0M |
| Loans held for sale | $0 |
| Loans to total assets | 44.28% |
| Loan-to-deposit ratio | 57.09% |
| Net loans to equity capital | 2.00% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 26.16% |
| Consumer | 2.08% |
| Credit cards | 0.00% |
| Farm | 1.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 51.18% |
| 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 | 6.11% |
| Interest income on loans | $244K |
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 | $11.7M | $30.4M | 0.00% | 30.98% | 4.01% |
| Q4 2023 | $12.4M | $26.3M | 0.00% | 31.46% | 3.06% |
| Q1 2024 | $12.3M | $26.5M | 0.00% | 30.20% | 3.24% |
| Q2 2024 | $13.1M | $26.9M | 0.00% | 30.42% | 2.92% |
| Q3 2024 | $11.8M | $28.0M | 0.00% | 33.27% | 2.96% |
| Q4 2024 | $12.7M | $25.4M | 0.00% | 32.29% | 2.65% |
| Q1 2025 | $12.6M | $26.7M | 0.00% | 32.35% | 2.44% |
| Q2 2025 | $13.2M | $25.9M | 0.00% | 34.11% | 2.48% |
| Q3 2025 | $12.2M | $28.0M | 0.00% | 33.34% | 2.83% |
| Q4 2025 | $16.6M | $25.9M | 0.00% | 25.37% | 2.06% |
| Q1 2026 | $15.8M | $28.9M | 0.00% | 25.23% | 2.01% |
| Q2 2026 | $16.2M | $28.4M | 0.00% | 26.16% | 2.08% |
State Bank of Canton loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of Canton, 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 Canton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13926) · FFIEC NIC profile (RSSD 858153)