The Bank of Grain Valley: 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 Q3 2026 was in Commercial and industrial: 1.66 percentage points lower than in Q2 2026, at 16.24%. Within Missouri, The Bank of Grain Valley is 121st of 192 on loan-to-deposit ratio, 78.71% as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; The Bank of Grain Valley reported 78.71% for Q3 2026, nearly level with it; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $65.6M |
| Net loans and leases | $64.6M |
| Loans held for sale | $0 |
| Loans to total assets | 60.35% |
| Loan-to-deposit ratio | 78.71% |
| Net loans to equity capital | 2.59% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.30% |
| Multifamily (5+ residential) | 11.12% |
| Commercial and industrial | 16.24% |
| Consumer | 1.23% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 59.16% |
| Construction concentration (Tier 1 capital + allowance) | 9.22% |
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 | Q3 2026 |
|---|---|
| Yield on loans | 6.50% |
| Interest income on loans | $1.1M |
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 |
|---|---|---|---|---|---|
| Q4 2023 | $69.4M | $89.5M | 25.88% | 20.02% | 0.64% |
| Q1 2024 | $68.9M | $84.4M | 25.89% | 20.53% | 1.40% |
| Q2 2024 | $68.0M | $86.5M | 27.14% | 20.88% | 0.81% |
| Q3 2024 | $67.1M | $85.7M | 27.58% | 20.09% | 0.64% |
| Q4 2024 | $66.6M | $86.3M | 29.72% | 19.24% | 1.53% |
| Q1 2025 | $68.6M | $86.6M | 28.43% | 18.67% | 1.43% |
| Q2 2025 | $67.1M | $84.0M | 28.40% | 15.55% | 1.37% |
| Q3 2025 | $70.2M | $79.6M | 24.99% | 15.24% | 1.29% |
| Q4 2025 | $68.3M | $83.2M | 24.45% | 14.64% | 1.34% |
| Q1 2026 | $70.8M | $78.5M | 24.20% | 17.42% | 1.19% |
| Q2 2026 | $66.8M | $85.3M | 24.86% | 17.91% | 1.36% |
| Q3 2026 | $65.6M | $83.3M | 25.30% | 16.24% | 1.23% |
The Bank of Grain Valley loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Grain Valley, 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 Grain Valley profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8564) · FFIEC NIC profile (RSSD 956554)