1st Advantage 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 CRE concentration (Tier 1 capital + allowance): 48.69 percentage points lower than in Q1 2026, at 302.42%. 1st Advantage Bank ranks 93rd of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 86.02% (Q2 2026). 1st Advantage Bank reported 86.02% on loan-to-deposit ratio for Q2 2026, 5.08 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $164.2M |
| Net loans and leases | $162.2M |
| Loans held for sale | $0 |
| Loans to total assets | 77.46% |
| Loan-to-deposit ratio | 86.02% |
| Net loans to equity capital | 8.09% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 67.21% |
| Multifamily (5+ residential) | 2.88% |
| Commercial and industrial | 13.66% |
| Consumer | 1.21% |
| Credit cards | 0.00% |
| Farm | 1.50% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 302.42% |
| Construction concentration (Tier 1 capital + allowance) | 34.57% |
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 | 6.30% |
| Interest income on loans | $2.7M |
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 | $139.7M | $131.6M | 66.81% | 14.92% | 1.21% |
| Q4 2023 | $138.7M | $132.6M | 66.25% | 13.98% | 2.35% |
| Q1 2024 | $141.0M | $136.2M | 65.57% | 15.06% | 2.51% |
| Q2 2024 | $146.0M | $149.6M | 62.76% | 15.72% | 2.05% |
| Q3 2024 | $147.8M | $162.8M | 65.29% | 14.35% | 1.93% |
| Q4 2024 | $158.7M | $164.6M | 64.41% | 14.50% | 2.27% |
| Q1 2025 | $159.8M | $157.9M | 64.67% | 15.04% | 1.98% |
| Q2 2025 | $175.5M | $171.0M | 64.64% | 14.46% | 1.69% |
| Q3 2025 | $173.8M | $178.5M | 65.87% | 12.79% | 1.54% |
| Q4 2025 | $176.7M | $195.6M | 67.30% | 12.30% | 1.38% |
| Q1 2026 | $172.9M | $185.3M | 68.43% | 11.87% | 1.32% |
| Q2 2026 | $164.2M | $190.9M | 67.21% | 13.66% | 1.21% |
1st Advantage Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Advantage 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 1st Advantage Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57899) · FFIEC NIC profile (RSSD 3317192)