STRYV 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 Construction concentration (Tier 1 capital + allowance): 11.79 percentage points higher than in Q1 2026, at 119.26%. STRYV Bank ranks 20th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 97.13% (Q2 2026). STRYV Bank reported 97.13% on loan-to-deposit ratio for Q2 2026, 16.57 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $288.4M |
| Net loans and leases | $285.6M |
| Loans held for sale | $0 |
| Loans to total assets | 86.53% |
| Loan-to-deposit ratio | 97.13% |
| Net loans to equity capital | 9.96% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.70% |
| Multifamily (5+ residential) | 3.66% |
| Commercial and industrial | 6.17% |
| Consumer | 7.03% |
| Credit cards | 0.00% |
| Farm | 3.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.44% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 372.55% |
| Construction concentration (Tier 1 capital + allowance) | 119.26% |
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 | 6.94% |
| Interest income on loans | $4.9M |
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 | $165.3M | $178.5M | 40.34% | 8.89% | 1.10% |
| Q4 2023 | $172.3M | $187.2M | 36.34% | 7.59% | 1.07% |
| Q1 2024 | $181.3M | $195.0M | 37.18% | 7.33% | 0.93% |
| Q2 2024 | $194.0M | $212.0M | 42.01% | 7.33% | 0.81% |
| Q3 2024 | $199.3M | $214.6M | 41.66% | 6.41% | 0.82% |
| Q4 2024 | $204.4M | $213.1M | 41.86% | 7.92% | 0.77% |
| Q1 2025 | $209.1M | $219.3M | 44.01% | 7.73% | 1.66% |
| Q2 2025 | $224.8M | $228.1M | 41.54% | 7.43% | 3.89% |
| Q3 2025 | $236.6M | $246.8M | 40.72% | 7.34% | 5.30% |
| Q4 2025 | $246.7M | $259.1M | 42.47% | 6.29% | 6.58% |
| Q1 2026 | $271.4M | $273.8M | 40.07% | 5.45% | 6.89% |
| Q2 2026 | $288.4M | $297.0M | 37.70% | 6.17% | 7.03% |
STRYV Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock STRYV 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 STRYV Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21955) · FFIEC NIC profile (RSSD 372855)