The Bank of Old Monroe: 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): 11.22 percentage points lower than in Q1 2026, at 237.94%. Within Missouri, The Bank of Old Monroe is 148th of 192 on loan-to-deposit ratio, 73.00% as of Q2 2026, below the middle of the field. The Bank of Old Monroe reported 73.00% on loan-to-deposit ratio for Q2 2026, 7.84 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $669.2M |
| Net loans and leases | $657.5M |
| Loans held for sale | $1.0M |
| Loans to total assets | 67.28% |
| Loan-to-deposit ratio | 73.00% |
| Net loans to equity capital | 9.34% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.56% |
| Multifamily (5+ residential) | 1.15% |
| Commercial and industrial | 14.04% |
| Consumer | 0.39% |
| Credit cards | 0.00% |
| Farm | 8.57% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 237.94% |
| Construction concentration (Tier 1 capital + allowance) | 195.38% |
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 | $11.3M |
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 | $371.0M | $624.2M | 24.35% | 13.60% | 0.56% |
| Q4 2023 | $399.1M | $666.8M | 24.30% | 13.12% | 0.55% |
| Q1 2024 | $441.6M | $702.2M | 21.81% | 15.58% | 0.52% |
| Q2 2024 | $474.7M | $749.9M | 20.19% | 16.16% | 0.50% |
| Q3 2024 | $502.0M | $775.3M | 20.81% | 15.92% | 0.45% |
| Q4 2024 | $538.3M | $815.7M | 20.95% | 16.74% | 0.38% |
| Q1 2025 | $533.2M | $866.6M | 21.87% | 13.62% | 0.38% |
| Q2 2025 | $552.6M | $835.5M | 21.58% | 16.59% | 0.39% |
| Q3 2025 | $605.1M | $859.7M | 19.87% | 16.98% | 0.36% |
| Q4 2025 | $633.0M | $840.9M | 19.26% | 16.34% | 0.39% |
| Q1 2026 | $653.8M | $924.2M | 18.85% | 14.17% | 0.40% |
| Q2 2026 | $669.2M | $916.6M | 18.56% | 14.04% | 0.39% |
The Bank of Old Monroe loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of Old Monroe, 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 Old Monroe profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1655) · FFIEC NIC profile (RSSD 880855)