Alliant 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.
Loan-to-deposit ratio climbed 4.20 percentage points in Q2 2026, from 84.67% to 88.87%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Alliant Bank is 78th of 192 on loan-to-deposit ratio, 88.87% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Alliant Bank sits 8.03 points higher, at 88.87% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $206.3M |
| Net loans and leases | $203.7M |
| Loans held for sale | $2.0M |
| Loans to total assets | 80.45% |
| Loan-to-deposit ratio | 88.87% |
| Net loans to equity capital | 8.89% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.82% |
| Multifamily (5+ residential) | 5.76% |
| Commercial and industrial | 3.64% |
| Consumer | 0.37% |
| Credit cards | 0.00% |
| Farm | 21.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 171.34% |
| Construction concentration (Tier 1 capital + allowance) | 21.46% |
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 | 6.47% |
| 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 | $163.7M | $184.1M | 25.89% | 4.03% | 0.80% |
| Q4 2023 | $164.2M | $182.8M | 26.23% | 3.72% | 0.74% |
| Q1 2024 | $170.4M | $188.4M | 24.77% | 3.35% | 0.71% |
| Q2 2024 | $179.5M | $198.6M | 23.78% | 3.58% | 0.59% |
| Q3 2024 | $188.8M | $221.2M | 22.94% | 3.65% | 0.52% |
| Q4 2024 | $194.4M | $217.3M | 23.84% | 3.49% | 0.45% |
| Q1 2025 | $195.0M | $226.7M | 23.49% | 3.38% | 0.44% |
| Q2 2025 | $201.4M | $225.7M | 24.39% | 3.39% | 0.41% |
| Q3 2025 | $198.3M | $240.7M | 23.85% | 3.54% | 0.48% |
| Q4 2025 | $206.0M | $244.4M | 24.01% | 3.27% | 0.45% |
| Q1 2026 | $203.4M | $240.2M | 24.30% | 3.10% | 0.40% |
| Q2 2026 | $206.3M | $232.1M | 23.82% | 3.64% | 0.37% |
Alliant Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Alliant 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 Alliant Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1946) · FFIEC NIC profile (RSSD 35057)