The Callaway 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): 13.85 percentage points lower than in Q1 2026, at 162.90%. The Callaway Bank ranks 77th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 88.88% (Q2 2026). The Callaway Bank reported 88.88% on loan-to-deposit ratio for Q2 2026, 8.04 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $381.8M |
| Net loans and leases | $377.4M |
| Loans held for sale | $588K |
| Loans to total assets | 74.65% |
| Loan-to-deposit ratio | 88.88% |
| Net loans to equity capital | 7.54% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.22% |
| Multifamily (5+ residential) | 3.50% |
| Commercial and industrial | 11.86% |
| Consumer | 0.92% |
| Credit cards | 0.06% |
| Farm | 11.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.03% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 162.90% |
| Construction concentration (Tier 1 capital + allowance) | 70.93% |
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 | 6.50% |
| Interest income on loans | $6.1M |
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 | $371.8M | $397.6M | 24.85% | 13.32% | 1.30% |
| Q4 2023 | $371.6M | $386.0M | 25.28% | 13.52% | 1.32% |
| Q1 2024 | $374.5M | $399.0M | 25.22% | 13.56% | 1.29% |
| Q2 2024 | $380.0M | $397.1M | 25.22% | 14.82% | 1.25% |
| Q3 2024 | $380.0M | $412.2M | 24.51% | 15.22% | 1.21% |
| Q4 2024 | $372.1M | $417.8M | 25.07% | 13.66% | 1.20% |
| Q1 2025 | $380.3M | $409.0M | 24.50% | 15.30% | 0.87% |
| Q2 2025 | $375.1M | $403.4M | 23.57% | 14.90% | 0.85% |
| Q3 2025 | $381.4M | $411.1M | 25.00% | 13.47% | 0.90% |
| Q4 2025 | $380.0M | $412.9M | 25.58% | 11.85% | 0.89% |
| Q1 2026 | $379.7M | $456.8M | 24.79% | 11.55% | 0.90% |
| Q2 2026 | $381.8M | $429.6M | 23.22% | 11.86% | 0.92% |
The Callaway Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Callaway 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 The Callaway Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12223) · FFIEC NIC profile (RSSD 719656)