Carroll County Trust Company of Carrollton, Missouri: 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.
Loan-to-deposit ratio climbed 3.59 percentage points in Q2 2026, from 50.38% to 53.97%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Carroll County Trust Company of Carrollton, Missouri is 18th from the bottom among 192 Missouri banks, 53.97% (Q2 2026). Carroll County Trust Company of Carrollton, Missouri reported 53.97% on loan-to-deposit ratio for Q2 2026, 26.86 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $93.6M |
| Net loans and leases | $92.7M |
| Loans held for sale | $0 |
| Loans to total assets | 45.10% |
| Loan-to-deposit ratio | 53.97% |
| Net loans to equity capital | 6.91% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.33% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 8.72% |
| Consumer | 2.63% |
| Credit cards | 0.00% |
| Farm | 40.27% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 56.24% |
| Construction concentration (Tier 1 capital + allowance) | 24.22% |
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 | 6.65% |
| Interest income on loans | $1.5M |
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 | $69.3M | $167.4M | 7.93% | 7.14% | 3.34% |
| Q4 2023 | $72.4M | $171.2M | 7.20% | 6.86% | 3.04% |
| Q1 2024 | $68.1M | $178.0M | 8.78% | 7.91% | 3.30% |
| Q2 2024 | $71.8M | $172.6M | 8.75% | 7.82% | 2.97% |
| Q3 2024 | $73.1M | $179.1M | 8.46% | 7.10% | 2.85% |
| Q4 2024 | $79.1M | $184.5M | 8.25% | 7.87% | 2.62% |
| Q1 2025 | $74.5M | $184.6M | 9.86% | 7.31% | 2.68% |
| Q2 2025 | $85.5M | $174.9M | 9.15% | 8.32% | 2.34% |
| Q3 2025 | $88.7M | $170.5M | 9.28% | 8.18% | 2.33% |
| Q4 2025 | $93.0M | $177.6M | 8.89% | 8.52% | 2.21% |
| Q1 2026 | $90.4M | $179.5M | 8.85% | 8.32% | 2.42% |
| Q2 2026 | $93.6M | $173.4M | 8.33% | 8.72% | 2.63% |
Carroll County Trust Company of Carrollton, Missouri loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Carroll County Trust Company of Carrollton, Missouri, 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 Carroll County Trust Company of Carrollton, Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1611) · FFIEC NIC profile (RSSD 490843)