Stockgrowers State 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: 7.95 percentage points higher than in Q1 2026, at 83.19%. Within Kansas, Stockgrowers State Bank is 62nd of 182 on loan-to-deposit ratio, 83.19% as of Q2 2026, above the middle of the field. At 83.19%, Stockgrowers State Bank's loan-to-deposit ratio is close to the 80.94% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $150.8M |
| Net loans and leases | $149.0M |
| Loans held for sale | $0 |
| Loans to total assets | 66.38% |
| Loan-to-deposit ratio | 83.19% |
| Net loans to equity capital | 5.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.21% |
| Multifamily (5+ residential) | 0.13% |
| Commercial and industrial | 9.32% |
| Consumer | 1.01% |
| Credit cards | 0.00% |
| Farm | 23.69% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 2.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.01% |
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 | 7.16% |
| Interest income on loans | $2.5M |
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 | $85.5M | $120.2M | 2.13% | 10.44% | 1.53% |
| Q4 2023 | $92.6M | $144.8M | 1.97% | 10.62% | 1.31% |
| Q1 2024 | $98.4M | $127.3M | 1.80% | 12.18% | 1.24% |
| Q2 2024 | $97.5M | $128.7M | 1.76% | 12.04% | 1.28% |
| Q3 2024 | $95.4M | $127.7M | 1.76% | 12.75% | 1.34% |
| Q4 2024 | $112.2M | $147.7M | 1.62% | 9.70% | 1.08% |
| Q1 2025 | $112.7M | $161.3M | 1.67% | 10.96% | 1.10% |
| Q2 2025 | $128.5M | $179.6M | 1.79% | 10.17% | 1.44% |
| Q3 2025 | $139.9M | $176.4M | 1.60% | 10.44% | 1.23% |
| Q4 2025 | $134.9M | $194.2M | 1.63% | 9.29% | 1.17% |
| Q1 2026 | $139.2M | $184.9M | 1.32% | 10.94% | 1.15% |
| Q2 2026 | $150.8M | $181.3M | 1.21% | 9.32% | 1.01% |
Stockgrowers State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Stockgrowers State 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 Stockgrowers State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17650) · FFIEC NIC profile (RSSD 424156)