Stock Exchange 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 CRE concentration (Tier 1 capital + allowance): 11.09 percentage points higher than in Q1 2026, at 79.03%. Stock Exchange Bank ranks 30th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 93.25% (Q2 2026). Stock Exchange Bank reported 93.25% on loan-to-deposit ratio for Q2 2026, 25.32 points above the 67.92% median for banks in the < $100M asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $76.3M |
| Net loans and leases | $75.3M |
| Loans held for sale | $0 |
| Loans to total assets | 84.47% |
| Loan-to-deposit ratio | 93.25% |
| Net loans to equity capital | 9.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 7.16% |
| Multifamily (5+ residential) | 0.90% |
| Commercial and industrial | 5.59% |
| Consumer | 3.17% |
| Credit cards | 0.00% |
| Farm | 9.31% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 79.03% |
| Construction concentration (Tier 1 capital + allowance) | 16.30% |
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 | 6.88% |
| Interest income on loans | $1.3M |
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 | $65.0M | $74.5M | 4.48% | 4.03% | 4.54% |
| Q4 2023 | $69.6M | $74.0M | 4.23% | 3.73% | 3.70% |
| Q1 2024 | $67.8M | $74.0M | 3.95% | 3.79% | 3.82% |
| Q2 2024 | $69.3M | $75.6M | 3.86% | 4.15% | 3.62% |
| Q3 2024 | $72.9M | $74.7M | 4.95% | 3.85% | 3.28% |
| Q4 2024 | $74.2M | $79.5M | 5.04% | 5.98% | 3.30% |
| Q1 2025 | $71.1M | $78.9M | 5.83% | 6.12% | 3.28% |
| Q2 2025 | $71.1M | $78.1M | 5.22% | 6.19% | 3.60% |
| Q3 2025 | $74.0M | $82.1M | 5.50% | 6.00% | 3.54% |
| Q4 2025 | $77.1M | $80.0M | 5.30% | 5.53% | 3.04% |
| Q1 2026 | $75.7M | $86.7M | 5.84% | 5.24% | 3.12% |
| Q2 2026 | $76.3M | $81.8M | 7.16% | 5.59% | 3.17% |
Stock Exchange Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Stock Exchange 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 Stock Exchange Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15784) · FFIEC NIC profile (RSSD 671053)