The Bank of Advance: 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 14.65 percentage points in Q2 2026, from 78.65% to 64.00%. It was the largest change from Q1 2026 among the key lines here. The Bank of Advance ranks 56th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 93.00% (Q2 2026). The Bank of Advance reported 93.00% on loan-to-deposit ratio for Q2 2026, 12.16 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $408.0M |
| Net loans and leases | $401.8M |
| Loans held for sale | $0 |
| Loans to total assets | 80.01% |
| Loan-to-deposit ratio | 93.00% |
| Net loans to equity capital | 6.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.22% |
| Multifamily (5+ residential) | 2.86% |
| Commercial and industrial | 10.34% |
| Consumer | 6.91% |
| Credit cards | 0.00% |
| Farm | 16.97% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.55% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 64.00% |
| Construction concentration (Tier 1 capital + allowance) | 41.43% |
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 | 7.39% |
| Interest income on loans | $7.4M |
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 | $376.5M | $409.1M | 10.38% | 11.99% | 7.89% |
| Q4 2023 | $378.8M | $431.2M | 9.27% | 11.67% | 7.92% |
| Q1 2024 | $368.7M | $423.4M | 8.30% | 11.70% | 7.89% |
| Q2 2024 | $370.8M | $423.2M | 8.28% | 11.04% | 7.81% |
| Q3 2024 | $376.2M | $417.4M | 8.03% | 10.59% | 7.72% |
| Q4 2024 | $379.6M | $424.1M | 8.35% | 10.35% | 7.65% |
| Q1 2025 | $387.3M | $426.8M | 8.07% | 11.95% | 7.51% |
| Q2 2025 | $394.6M | $429.5M | 8.11% | 11.56% | 7.44% |
| Q3 2025 | $401.8M | $427.2M | 8.07% | 11.40% | 7.29% |
| Q4 2025 | $401.1M | $458.8M | 8.13% | 11.24% | 7.02% |
| Q1 2026 | $402.1M | $440.2M | 8.77% | 10.63% | 6.97% |
| Q2 2026 | $408.0M | $438.7M | 9.22% | 10.34% | 6.91% |
The Bank of Advance loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Advance, 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 The Bank of Advance profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9369) · FFIEC NIC profile (RSSD 879644)