Bank of Franklin County: 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 Construction concentration (Tier 1 capital + allowance): 6.14 percentage points higher than in Q1 2026, at 99.78%. Within Missouri, Bank of Franklin County is 36th of 192 on loan-to-deposit ratio, 96.70% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bank of Franklin County sits 15.76 points higher, at 96.70% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $345.7M |
| Net loans and leases | $341.7M |
| Loans held for sale | $344K |
| Loans to total assets | 82.43% |
| Loan-to-deposit ratio | 96.70% |
| Net loans to equity capital | 9.16% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.03% |
| Multifamily (5+ residential) | 1.03% |
| Commercial and industrial | 23.09% |
| Consumer | 0.93% |
| Credit cards | 0.00% |
| Farm | 1.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.71% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 206.93% |
| Construction concentration (Tier 1 capital + allowance) | 99.78% |
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 | 6.36% |
| Interest income on loans | $5.5M |
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 | $306.4M | $327.9M | 37.43% | 13.61% | 2.56% |
| Q4 2023 | $311.2M | $326.9M | 36.03% | 14.27% | 2.27% |
| Q1 2024 | $327.7M | $336.2M | 33.52% | 18.58% | 2.08% |
| Q2 2024 | $339.8M | $346.8M | 32.94% | 18.89% | 1.88% |
| Q3 2024 | $347.5M | $351.2M | 31.72% | 21.70% | 1.99% |
| Q4 2024 | $339.1M | $352.1M | 32.63% | 20.69% | 1.84% |
| Q1 2025 | $337.7M | $351.9M | 32.17% | 21.65% | 1.66% |
| Q2 2025 | $339.1M | $348.4M | 32.81% | 21.55% | 1.43% |
| Q3 2025 | $345.4M | $345.2M | 33.53% | 23.59% | 1.33% |
| Q4 2025 | $335.5M | $341.7M | 32.40% | 21.27% | 1.27% |
| Q1 2026 | $343.5M | $349.6M | 31.81% | 24.45% | 1.09% |
| Q2 2026 | $345.7M | $357.5M | 33.03% | 23.09% | 0.93% |
Bank of Franklin County loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Franklin County, 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 Franklin County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35543) · FFIEC NIC profile (RSSD 2913702)