The Bank of Missouri: 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): 10.04 percentage points higher than in Q1 2026, at 187.90%. Within Missouri, The Bank of Missouri is 79th of 192 on loan-to-deposit ratio, 88.81% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; The Bank of Missouri reported 88.81% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.18B |
| Net loans and leases | $3.13B |
| Loans held for sale | $55.7M |
| Loans to total assets | 75.32% |
| Loan-to-deposit ratio | 88.81% |
| Net loans to equity capital | 6.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.11% |
| Multifamily (5+ residential) | 4.46% |
| Commercial and industrial | 32.71% |
| Consumer | 2.80% |
| Credit cards | 1.35% |
| Farm | 5.02% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.95% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 187.90% |
| Construction concentration (Tier 1 capital + allowance) | 62.77% |
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 | 6.51% |
| Interest income on loans | $51.3M |
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 | $1.99B | $2.27B | 31.24% | 11.22% | 2.92% |
| Q4 2023 | $1.99B | $2.38B | 31.79% | 11.24% | 2.82% |
| Q1 2024 | $2.02B | $2.43B | 32.21% | 9.93% | 2.71% |
| Q2 2024 | $2.07B | $2.53B | 31.25% | 10.50% | 3.01% |
| Q3 2024 | $2.09B | $2.51B | 31.35% | 10.82% | 3.80% |
| Q4 2024 | $2.08B | $2.58B | 31.18% | 11.47% | 3.60% |
| Q1 2025 | $2.10B | $2.53B | 31.44% | 10.81% | 4.28% |
| Q2 2025 | $2.15B | $2.53B | 30.43% | 12.64% | 5.02% |
| Q3 2025 | $2.17B | $2.50B | 30.80% | 12.58% | 3.91% |
| Q4 2025 | $2.16B | $2.50B | 30.72% | 12.73% | 3.09% |
| Q1 2026 | $3.16B | $3.61B | 21.41% | 32.23% | 2.55% |
| Q2 2026 | $3.18B | $3.58B | 21.11% | 32.71% | 2.80% |
The Bank of Missouri loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Missouri, 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 Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1617) · FFIEC NIC profile (RSSD 330855)