Ventura National Bank & Trust: 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: 10.92 percentage points higher than in Q1 2026, at 111.90%. On loan-to-deposit ratio, Ventura National Bank & Trust ranks 7th highest among the 182 banks headquartered in Kansas, at 111.90% (Q2 2026). Ventura National Bank & Trust's loan-to-deposit ratio of 111.90% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 44.27 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $36.7M |
| Net loans and leases | $36.4M |
| Loans held for sale | $0 |
| Loans to total assets | 87.87% |
| Loan-to-deposit ratio | 111.90% |
| Net loans to equity capital | 4.19% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 1.45% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 43.03% |
| Consumer | 0.76% |
| Credit cards | 0.00% |
| Farm | 1.22% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 5.93% |
| 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 | 6.96% |
| Interest income on loans | $610K |
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 | $8.1M | $13.8M | 7.27% | 14.80% | 8.41% |
| Q4 2023 | $8.1M | $13.9M | 7.10% | 14.62% | 7.77% |
| Q1 2024 | $8.2M | $14.3M | 6.91% | 13.11% | 7.36% |
| Q2 2024 | $8.3M | $14.0M | 6.78% | 13.17% | 7.37% |
| Q3 2024 | $8.4M | $14.4M | 6.46% | 13.29% | 7.81% |
| Q4 2024 | $20.9M | $26.0M | 2.53% | 65.84% | 3.29% |
| Q1 2025 | $21.5M | $22.6M | 3.18% | 64.20% | 2.93% |
| Q2 2025 | $25.4M | $27.9M | 2.67% | 57.53% | 2.46% |
| Q3 2025 | $29.2M | $41.8M | 2.29% | 60.95% | 2.65% |
| Q4 2025 | $34.1M | $53.8M | 1.93% | 62.37% | 8.07% |
| Q1 2026 | $35.1M | $34.7M | 1.55% | 47.20% | 0.88% |
| Q2 2026 | $36.7M | $32.8M | 1.45% | 43.03% | 0.76% |
Ventura National Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Ventura National Bank & Trust, 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 Ventura National Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4683) · FFIEC NIC profile (RSSD 931458)