BTC 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.
CRE concentration (Tier 1 capital + allowance) climbed 12.81 percentage points in Q2 2026, from 62.45% to 75.26%. It was the largest change from Q1 2026 among the key lines here. Among 191 Missouri banks, BTC Bank sits 12th from the top on loan-to-deposit ratio, 107.02% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. BTC Bank sits 18.82 points higher, at 107.02% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.55B |
| Net loans and leases | $1.53B |
| Loans held for sale | $168K |
| Loans to total assets | 81.00% |
| Loan-to-deposit ratio | 107.02% |
| Net loans to equity capital | 8.78% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.02% |
| Multifamily (5+ residential) | 0.21% |
| Commercial and industrial | 6.11% |
| Consumer | 1.84% |
| Credit cards | 0.01% |
| Farm | 37.73% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 75.26% |
| Construction concentration (Tier 1 capital + allowance) | 19.63% |
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 | 6.98% |
| Interest income on loans | $26.2M |
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 | $830.1M | $892.4M | 9.22% | 11.88% | 2.21% |
| Q4 2023 | $858.9M | $901.2M | 9.20% | 11.22% | 2.15% |
| Q1 2024 | $903.1M | $907.5M | 9.64% | 11.46% | 2.09% |
| Q2 2024 | $958.6M | $903.9M | 9.58% | 10.44% | 1.99% |
| Q3 2024 | $1.01B | $916.1M | 9.75% | 9.44% | 1.96% |
| Q4 2024 | $1.07B | $981.5M | 10.45% | 9.22% | 1.86% |
| Q1 2025 | $1.10B | $1.02B | 10.55% | 8.91% | 1.78% |
| Q2 2025 | $1.13B | $1.06B | 10.57% | 7.68% | 1.79% |
| Q3 2025 | $1.20B | $1.09B | 12.45% | 6.47% | 1.74% |
| Q4 2025 | $1.25B | $1.16B | 11.08% | 5.87% | 1.61% |
| Q1 2026 | $1.32B | $1.23B | 13.25% | 5.52% | 1.53% |
| Q2 2026 | $1.55B | $1.45B | 12.02% | 6.11% | 1.84% |
BTC Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock BTC 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 BTC Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10618) · FFIEC NIC profile (RSSD 1009242)