Western 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.
Farm climbed 0.97 percentage points in Q2 2026, from 20.02% to 20.99%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Western State Bank is 98th of 182 on loan-to-deposit ratio, 74.23% as of Q2 2026, below the middle of the field. Western State Bank reported 74.23% on loan-to-deposit ratio for Q2 2026, 6.61 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $532.4M |
| Net loans and leases | $519.0M |
| Loans held for sale | $387K |
| Loans to total assets | 66.37% |
| Loan-to-deposit ratio | 74.23% |
| Net loans to equity capital | 6.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 10.96% |
| Multifamily (5+ residential) | 4.24% |
| Commercial and industrial | 24.33% |
| Consumer | 1.63% |
| Credit cards | 0.00% |
| Farm | 20.99% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 46.72% |
| Construction concentration (Tier 1 capital + allowance) | 4.68% |
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 | 7.33% |
| Interest income on loans | $9.8M |
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 | $440.3M | $582.7M | 12.39% | 23.10% | 1.03% |
| Q4 2023 | $471.2M | $618.9M | 11.20% | 22.52% | 1.02% |
| Q1 2024 | $477.1M | $639.4M | 10.93% | 22.90% | 1.14% |
| Q2 2024 | $506.6M | $627.6M | 10.88% | 22.52% | 1.11% |
| Q3 2024 | $515.4M | $678.1M | 10.68% | 21.66% | 1.28% |
| Q4 2024 | $537.8M | $686.6M | 10.22% | 23.61% | 1.20% |
| Q1 2025 | $539.4M | $703.4M | 11.24% | 22.91% | 1.26% |
| Q2 2025 | $544.2M | $713.9M | 11.35% | 24.41% | 1.34% |
| Q3 2025 | $536.4M | $711.2M | 11.27% | 24.16% | 1.50% |
| Q4 2025 | $542.6M | $739.5M | 10.54% | 24.58% | 1.49% |
| Q1 2026 | $543.0M | $740.1M | 10.95% | 24.60% | 1.57% |
| Q2 2026 | $532.4M | $717.2M | 10.96% | 24.33% | 1.63% |
Western State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Western 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 Western State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21121) · FFIEC NIC profile (RSSD 988153)