The 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.
Cre concentration (tier 1 capital + allowance) climbed 1.79 percentage points in Q2 2026, from 67.14% to 68.93%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, The Stockgrowers State Bank is 32nd of 182 on loan-to-deposit ratio, 92.87% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Stockgrowers State Bank sits 12.04 points higher, at 92.87% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $88.1M |
| Net loans and leases | $86.8M |
| Loans held for sale | $0 |
| Loans to total assets | 68.67% |
| Loan-to-deposit ratio | 92.87% |
| Net loans to equity capital | 5.87% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.53% |
| Multifamily (5+ residential) | 0.17% |
| Commercial and industrial | 23.06% |
| Consumer | 1.92% |
| Credit cards | 0.00% |
| Farm | 10.32% |
| Loans to depository institutions | 5.32% |
| State and political subdivisions | 3.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 68.93% |
| Construction concentration (Tier 1 capital + allowance) | 15.61% |
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 | 7.09% |
| Interest income on loans | $1.5M |
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 | $69.4M | $73.9M | 12.78% | 18.58% | 2.09% |
| Q4 2023 | $70.0M | $83.7M | 12.67% | 18.98% | 1.93% |
| Q1 2024 | $72.4M | $81.1M | 13.85% | 25.48% | 2.06% |
| Q2 2024 | $75.7M | $81.5M | 14.65% | 25.38% | 2.02% |
| Q3 2024 | $80.0M | $83.5M | 16.50% | 20.34% | 1.99% |
| Q4 2024 | $80.2M | $87.3M | 17.05% | 19.60% | 2.09% |
| Q1 2025 | $76.0M | $87.2M | 16.57% | 17.60% | 1.97% |
| Q2 2025 | $81.0M | $87.2M | 15.42% | 21.40% | 2.00% |
| Q3 2025 | $76.9M | $87.3M | 7.57% | 22.72% | 2.07% |
| Q4 2025 | $84.3M | $95.4M | 12.18% | 23.79% | 2.46% |
| Q1 2026 | $84.0M | $89.6M | 10.14% | 23.03% | 1.88% |
| Q2 2026 | $88.1M | $94.9M | 9.53% | 23.06% | 1.92% |
The Stockgrowers State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Stockgrowers State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18165) · FFIEC NIC profile (RSSD 265452)