Bank of Weston: 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): 28.29 percentage points lower than in Q1 2026, at 295.48%. Within Missouri, Bank of Weston is 111th of 192 on loan-to-deposit ratio, 80.47% as of Q2 2026, below the middle of the field. At 80.47%, Bank of Weston's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $181.4M |
| Net loans and leases | $179.1M |
| Loans held for sale | $0 |
| Loans to total assets | 73.60% |
| Loan-to-deposit ratio | 80.47% |
| Net loans to equity capital | 8.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 47.98% |
| Multifamily (5+ residential) | 1.90% |
| Commercial and industrial | 7.75% |
| Consumer | 0.40% |
| Credit cards | 0.00% |
| Farm | 4.95% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 295.48% |
| Construction concentration (Tier 1 capital + allowance) | 41.14% |
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 | $3.0M |
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 | $145.5M | $184.1M | 42.43% | 9.84% | 0.54% |
| Q4 2023 | $144.9M | $184.2M | 43.65% | 10.43% | 0.56% |
| Q1 2024 | $149.3M | $193.9M | 43.87% | 9.63% | 0.59% |
| Q2 2024 | $155.0M | $192.9M | 44.16% | 8.19% | 0.60% |
| Q3 2024 | $159.0M | $189.4M | 46.20% | 6.79% | 0.49% |
| Q4 2024 | $164.2M | $186.5M | 46.25% | 7.31% | 0.55% |
| Q1 2025 | $167.4M | $206.5M | 45.21% | 8.28% | 0.58% |
| Q2 2025 | $171.2M | $204.8M | 45.26% | 8.62% | 0.48% |
| Q3 2025 | $170.5M | $200.5M | 45.92% | 9.03% | 0.49% |
| Q4 2025 | $175.0M | $202.0M | 46.76% | 8.46% | 0.49% |
| Q1 2026 | $178.6M | $220.2M | 46.89% | 8.65% | 0.42% |
| Q2 2026 | $181.4M | $225.4M | 47.98% | 7.75% | 0.40% |
Bank of Weston loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Weston, 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 Weston profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1418) · FFIEC NIC profile (RSSD 393355)