American Bank of Freedom: 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.
Cre concentration (tier 1 capital + allowance) dropped 36.88 percentage points in Q2 2026, from 417.26% to 380.38%. It was the largest change from Q1 2026 among the key lines here. American Bank of Freedom ranks 43rd of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 95.00% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. American Bank of Freedom sits 14.16 points higher, at 95.00% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $699.7M |
| Net loans and leases | $690.5M |
| Loans held for sale | $0 |
| Loans to total assets | 73.79% |
| Loan-to-deposit ratio | 95.00% |
| Net loans to equity capital | 7.10% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.76% |
| Multifamily (5+ residential) | 11.74% |
| Commercial and industrial | 9.69% |
| Consumer | 0.01% |
| Credit cards | 0.00% |
| Farm | 1.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 380.38% |
| Construction concentration (Tier 1 capital + allowance) | 145.85% |
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 | 6.85% |
| Interest income on loans | $12.3M |
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 | $670.0M | $586.7M | 32.54% | 10.01% | 0.38% |
| Q4 2023 | $702.5M | $647.3M | 30.60% | 9.90% | 0.36% |
| Q1 2024 | $723.4M | $662.3M | 35.13% | 9.32% | 0.35% |
| Q2 2024 | $758.5M | $689.0M | 34.62% | 8.80% | 0.33% |
| Q3 2024 | $778.0M | $714.7M | 35.16% | 8.36% | 0.32% |
| Q4 2024 | $762.0M | $716.8M | 35.59% | 8.35% | 0.32% |
| Q1 2025 | $771.4M | $708.2M | 35.22% | 8.34% | 0.32% |
| Q2 2025 | $770.5M | $707.0M | 34.54% | 10.27% | 0.30% |
| Q3 2025 | $765.9M | $735.9M | 32.51% | 10.29% | 0.30% |
| Q4 2025 | $740.4M | $740.3M | 34.22% | 10.00% | 0.29% |
| Q1 2026 | $733.0M | $754.6M | 34.00% | 10.01% | 0.02% |
| Q2 2026 | $699.7M | $736.5M | 32.76% | 9.69% | 0.01% |
American Bank of Freedom loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock American Bank of Freedom, 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 American Bank of Freedom profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15423) · FFIEC NIC profile (RSSD 568359)