Bank of Crocker: 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 Commercial real estate (nonfarm nonresidential): 3.50 percentage points lower than in Q1 2026, at 32.58%. On loan-to-deposit ratio, Bank of Crocker is 6th from the bottom among 192 Missouri banks, 34.16% (Q2 2026). Bank of Crocker's loan-to-deposit ratio of 34.16% is well below the 80.84% median for banks in the $100M-1B asset tier, a gap of 46.68 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $43.3M |
| Net loans and leases | $42.6M |
| Loans held for sale | $0 |
| Loans to total assets | 30.21% |
| Loan-to-deposit ratio | 34.16% |
| Net loans to equity capital | 2.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.58% |
| Multifamily (5+ residential) | 2.72% |
| Commercial and industrial | 6.32% |
| Consumer | 6.55% |
| Credit cards | 0.00% |
| Farm | 2.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 51.86% |
| Construction concentration (Tier 1 capital + allowance) | 24.89% |
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 | — |
| Interest income on loans | $821K |
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 | $41.5M | $130.9M | 33.39% | 10.21% | 6.69% |
| Q4 2023 | $43.7M | $133.1M | 34.97% | 9.51% | 6.68% |
| Q1 2024 | $43.2M | $130.6M | 34.21% | 9.71% | 6.60% |
| Q2 2024 | $43.2M | $127.4M | 33.55% | 10.32% | 7.03% |
| Q3 2024 | $45.9M | $128.4M | 35.06% | 9.16% | 6.71% |
| Q4 2024 | $46.6M | $128.7M | 35.02% | 9.34% | 6.43% |
| Q1 2025 | $47.4M | $130.4M | 33.17% | 10.13% | 6.16% |
| Q2 2025 | $48.4M | $127.4M | 32.04% | 9.63% | 5.83% |
| Q3 2025 | $49.1M | $128.7M | 36.08% | 9.42% | 5.73% |
| Q4 2025 | $49.1M | $129.7M | 37.00% | 9.61% | 5.44% |
| Q1 2026 | $48.8M | $131.8M | 36.08% | 8.51% | 6.12% |
| Q2 2026 | $43.3M | $126.8M | 32.58% | 6.32% | 6.55% |
Bank of Crocker loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Crocker, 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 Bank of Crocker profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1937) · FFIEC NIC profile (RSSD 765354)