Bank of Monticello: 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): 13.48 percentage points higher than in Q1 2026, at 53.80%. Bank of Monticello ranks 150th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 72.94% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. Bank of Monticello sits 8.00 points lower, at 72.94% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $102.4M |
| Net loans and leases | $101.3M |
| Loans held for sale | $0 |
| Loans to total assets | 64.42% |
| Loan-to-deposit ratio | 72.94% |
| Net loans to equity capital | 6.06% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.81% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.33% |
| Consumer | 3.21% |
| Credit cards | 0.00% |
| Farm | 39.78% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 53.80% |
| Construction concentration (Tier 1 capital + allowance) | 5.51% |
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 | $1.8M |
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 | $87.8M | $114.1M | 11.61% | 9.20% | 4.09% |
| Q4 2023 | $86.2M | $122.5M | 11.87% | 9.53% | 4.15% |
| Q1 2024 | $84.8M | $124.4M | 10.91% | 9.76% | 4.41% |
| Q2 2024 | $86.8M | $126.5M | 11.24% | 9.04% | 4.22% |
| Q3 2024 | $88.3M | $124.8M | 11.21% | 8.58% | 4.11% |
| Q4 2024 | $87.5M | $132.3M | 12.06% | 8.39% | 4.23% |
| Q1 2025 | $87.3M | $132.1M | 11.69% | 8.42% | 4.13% |
| Q2 2025 | $93.0M | $135.0M | 14.99% | 8.18% | 3.84% |
| Q3 2025 | $96.6M | $132.6M | 15.17% | 8.50% | 3.65% |
| Q4 2025 | $95.7M | $148.4M | 16.60% | 8.47% | 3.82% |
| Q1 2026 | $95.9M | $138.7M | 16.97% | 8.93% | 3.56% |
| Q2 2026 | $102.4M | $140.4M | 18.81% | 8.33% | 3.21% |
Bank of Monticello loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Monticello, 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 Monticello profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12232) · FFIEC NIC profile (RSSD 937553)