Cass Commercial 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) dropped 13.14 percentage points in Q2 2026, from 42.97% to 29.83%. It was the largest change from Q1 2026 among the key lines here. Cass Commercial Bank ranks 48th of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 94.32% (Q2 2026). Cass Commercial Bank reported 94.32% on loan-to-deposit ratio for Q2 2026, 6.12 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.05B |
| Net loans and leases | $1.04B |
| Loans held for sale | $0 |
| Loans to total assets | 79.37% |
| Loan-to-deposit ratio | 94.32% |
| Net loans to equity capital | 5.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 45.10% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 41.71% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 29.83% |
| Construction concentration (Tier 1 capital + allowance) | 14.85% |
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 | 5.86% |
| Interest income on loans | $13.7M |
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 | $966.5M | $1.40B | 50.88% | 38.71% | 0.00% |
| Q4 2023 | $942.7M | $1.32B | 52.99% | 38.06% | 0.00% |
| Q1 2024 | $962.2M | $1.15B | 51.15% | 39.48% | 0.00% |
| Q2 2024 | $990.8M | $1.10B | 49.75% | 39.72% | 0.00% |
| Q3 2024 | $1.02B | $1.12B | 48.80% | 40.40% | 0.00% |
| Q4 2024 | $1.03B | $1.23B | 47.49% | 40.97% | 0.00% |
| Q1 2025 | $1.07B | $1.14B | 46.48% | 42.87% | 0.00% |
| Q2 2025 | $1.05B | $1.10B | 47.70% | 43.01% | 0.00% |
| Q3 2025 | $1.03B | $1.11B | 46.41% | 41.85% | 0.00% |
| Q4 2025 | $1.01B | $1.22B | 45.17% | 41.41% | 0.00% |
| Q1 2026 | $1.04B | $1.11B | 43.40% | 41.29% | 0.00% |
| Q2 2026 | $1.05B | $1.12B | 45.10% | 41.71% | 0.00% |
Cass Commercial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Cass Commercial 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 Cass Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1068) · FFIEC NIC profile (RSSD 177751)