Bloomsdale 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 8.23 percentage points lower than in Q1 2026, at 145.82%. Bloomsdale Bank ranks 123rd of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 78.31% (Q2 2026). Bloomsdale Bank reported 78.31% on loan-to-deposit ratio for Q2 2026, 2.63 points below the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $279.5M |
| Net loans and leases | $276.7M |
| Loans held for sale | $0 |
| Loans to total assets | 71.62% |
| Loan-to-deposit ratio | 78.31% |
| Net loans to equity capital | 8.64% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 20.06% |
| Multifamily (5+ residential) | 0.10% |
| Commercial and industrial | 11.70% |
| Consumer | 2.45% |
| Credit cards | 0.00% |
| Farm | 5.52% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 145.82% |
| Construction concentration (Tier 1 capital + allowance) | 97.58% |
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 | 6.82% |
| Interest income on loans | $4.5M |
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 | $198.1M | $296.8M | 29.29% | 18.53% | 3.52% |
| Q4 2023 | $205.0M | $302.9M | 29.68% | 18.03% | 3.20% |
| Q1 2024 | $214.9M | $313.9M | 30.06% | 16.47% | 2.94% |
| Q2 2024 | $225.4M | $314.5M | 30.57% | 15.57% | 2.67% |
| Q3 2024 | $235.8M | $330.6M | 30.62% | 13.02% | 2.29% |
| Q4 2024 | $238.6M | $314.2M | 25.52% | 11.63% | 2.22% |
| Q1 2025 | $246.6M | $353.4M | 21.68% | 13.34% | 2.06% |
| Q2 2025 | $249.2M | $337.1M | 21.81% | 12.51% | 2.09% |
| Q3 2025 | $250.9M | $331.8M | 20.69% | 11.67% | 2.00% |
| Q4 2025 | $255.4M | $341.8M | 20.36% | 11.51% | 2.08% |
| Q1 2026 | $262.5M | $366.0M | 19.67% | 10.79% | 2.22% |
| Q2 2026 | $279.5M | $356.8M | 20.06% | 11.70% | 2.45% |
Bloomsdale Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bloomsdale 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 Bloomsdale Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9788) · FFIEC NIC profile (RSSD 820842)