Vintage Bank Kansas: 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.
Loans to total assets dropped 3.59 percentage points in Q2 2026, from 66.32% to 62.73%. It was the largest change from Q1 2026 among the key lines here. Vintage Bank Kansas ranks 77th of 182 Kansas banks on loan-to-deposit ratio, in the upper half at 78.24% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Vintage Bank Kansas sits 2.70 points lower, at 78.24% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $181.0M |
| Net loans and leases | $179.0M |
| Loans held for sale | $0 |
| Loans to total assets | 62.73% |
| Loan-to-deposit ratio | 78.24% |
| Net loans to equity capital | 7.04% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.04% |
| Multifamily (5+ residential) | 0.05% |
| Commercial and industrial | 13.67% |
| Consumer | 2.09% |
| Credit cards | 0.00% |
| Farm | 13.53% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 88.53% |
| Construction concentration (Tier 1 capital + allowance) | 39.17% |
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 | 7.31% |
| Interest income on loans | $3.3M |
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 | $134.7M | $182.9M | 16.22% | 15.06% | 3.26% |
| Q4 2023 | $146.3M | $182.9M | 18.68% | 13.27% | 2.84% |
| Q1 2024 | $150.4M | $186.2M | 17.57% | 14.11% | 2.90% |
| Q2 2024 | $149.2M | $203.5M | 17.80% | 15.47% | 2.89% |
| Q3 2024 | $156.2M | $201.0M | 18.19% | 14.57% | 2.92% |
| Q4 2024 | $161.3M | $209.1M | 18.05% | 14.48% | 2.83% |
| Q1 2025 | $166.0M | $215.1M | 17.34% | 14.27% | 2.64% |
| Q2 2025 | $168.7M | $216.3M | 18.41% | 15.16% | 2.48% |
| Q3 2025 | $166.4M | $213.2M | 18.72% | 16.22% | 2.65% |
| Q4 2025 | $176.6M | $218.0M | 18.26% | 16.26% | 2.40% |
| Q1 2026 | $181.7M | $223.4M | 19.45% | 15.80% | 2.23% |
| Q2 2026 | $181.0M | $231.4M | 21.04% | 13.67% | 2.09% |
Vintage Bank Kansas loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Vintage Bank Kansas, 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 Vintage Bank Kansas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17927) · FFIEC NIC profile (RSSD 45458)