America's Community 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): 7.60 percentage points higher than in Q1 2026, at 264.83%. On loan-to-deposit ratio, America's Community Bank ranks 4th highest among the 192 banks headquartered in Missouri, at 113.93% (Q2 2026). America's Community Bank's loan-to-deposit ratio of 113.93% is well above the 67.62% median for banks in the < $100M asset tier, a gap of 46.31 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $56.4M |
| Net loans and leases | $55.6M |
| Loans held for sale | $0 |
| Loans to total assets | 87.95% |
| Loan-to-deposit ratio | 113.93% |
| Net loans to equity capital | 9.95% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.97% |
| Multifamily (5+ residential) | 1.90% |
| Commercial and industrial | 4.89% |
| Consumer | 1.41% |
| Credit cards | 0.00% |
| Farm | 0.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 264.83% |
| Construction concentration (Tier 1 capital + allowance) | 169.54% |
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 | 6.98% |
| Interest income on loans | $992K |
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 | $42.9M | $39.0M | 25.31% | 4.59% | 1.69% |
| Q4 2023 | $41.6M | $37.3M | 25.93% | 4.79% | 1.73% |
| Q1 2024 | $41.5M | $40.8M | 24.98% | 5.30% | 1.49% |
| Q2 2024 | $43.1M | $39.7M | 24.65% | 5.33% | 1.42% |
| Q3 2024 | $43.9M | $41.6M | 25.73% | 6.36% | 1.41% |
| Q4 2024 | $45.6M | $41.8M | 25.41% | 7.24% | 1.70% |
| Q1 2025 | $44.8M | $42.2M | 23.06% | 7.32% | 1.79% |
| Q2 2025 | $49.8M | $44.5M | 24.69% | 5.99% | 1.83% |
| Q3 2025 | $53.6M | $45.2M | 23.47% | 5.75% | 1.75% |
| Q4 2025 | $57.6M | $46.5M | 23.14% | 5.77% | 1.71% |
| Q1 2026 | $56.5M | $49.7M | 23.60% | 5.22% | 1.52% |
| Q2 2026 | $56.4M | $49.5M | 23.97% | 4.89% | 1.41% |
America's Community Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock America's Community 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 America's Community Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8893) · FFIEC NIC profile (RSSD 440857)