Belgrade State Bank: 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.
Construction concentration (tier 1 capital + allowance) climbed 8.44 percentage points in Q2 2026, from 82.29% to 90.73%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Belgrade State Bank is 105th of 192 on loan-to-deposit ratio, 83.22% as of Q2 2026, below the middle of the field. At 83.22%, Belgrade State Bank'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 | $412.2M |
| Net loans and leases | $407.8M |
| Loans held for sale | $0 |
| Loans to total assets | 75.22% |
| Loan-to-deposit ratio | 83.22% |
| Net loans to equity capital | 8.31% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.73% |
| Multifamily (5+ residential) | 2.48% |
| Commercial and industrial | 7.54% |
| Consumer | 6.92% |
| Credit cards | 0.00% |
| Farm | 4.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 146.13% |
| Construction concentration (Tier 1 capital + allowance) | 90.73% |
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 | 7.23% |
| Interest income on loans | $7.2M |
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 | $308.6M | $394.8M | 23.05% | 9.30% | 7.76% |
| Q4 2023 | $323.3M | $393.6M | 22.72% | 9.29% | 7.57% |
| Q1 2024 | $331.3M | $410.0M | 22.77% | 8.74% | 7.57% |
| Q2 2024 | $332.6M | $414.3M | 22.36% | 9.03% | 7.74% |
| Q3 2024 | $343.6M | $428.4M | 22.04% | 8.89% | 7.79% |
| Q4 2024 | $355.9M | $429.9M | 22.78% | 8.09% | 7.69% |
| Q1 2025 | $364.7M | $448.7M | 22.35% | 7.95% | 7.58% |
| Q2 2025 | $378.6M | $462.8M | 21.80% | 7.84% | 7.46% |
| Q3 2025 | $383.5M | $471.5M | 20.04% | 8.20% | 7.50% |
| Q4 2025 | $384.3M | $485.8M | 20.22% | 8.42% | 7.49% |
| Q1 2026 | $390.3M | $487.4M | 20.02% | 8.64% | 7.31% |
| Q2 2026 | $412.2M | $495.3M | 20.73% | 7.54% | 6.92% |
Belgrade State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Belgrade State Bank, 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 Belgrade State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12208) · FFIEC NIC profile (RSSD 761244)