The Central Trust 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.
Construction concentration (tier 1 capital + allowance) climbed 2.16 percentage points in Q2 2026, from 50.39% to 52.55%. It was the largest change from Q1 2026 among the key lines here. The Central Trust Bank ranks 152nd of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 71.33% (Q2 2026). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. The Central Trust Bank sits 15.50 points lower, at 71.33% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $11.70B |
| Net loans and leases | $11.55B |
| Loans held for sale | $27.8M |
| Loans to total assets | 57.62% |
| Loan-to-deposit ratio | 71.33% |
| Net loans to equity capital | 6.32% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.51% |
| Multifamily (5+ residential) | 7.31% |
| Commercial and industrial | 10.26% |
| Consumer | 4.75% |
| Credit cards | 0.84% |
| Farm | 2.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.49% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 243.08% |
| Construction concentration (Tier 1 capital + allowance) | 52.55% |
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 | 6.23% |
| Interest income on loans | $179.9M |
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 | $11.45B | $14.73B | 30.01% | 12.33% | 8.87% |
| Q4 2023 | $11.51B | $15.07B | 30.12% | 12.18% | 8.58% |
| Q1 2024 | $11.52B | $15.30B | 30.15% | 12.23% | 8.18% |
| Q2 2024 | $11.63B | $14.95B | 30.79% | 11.94% | 7.88% |
| Q3 2024 | $11.61B | $14.80B | 30.85% | 11.85% | 7.51% |
| Q4 2024 | $11.64B | $15.31B | 31.35% | 11.36% | 7.13% |
| Q1 2025 | $11.51B | $15.48B | 32.12% | 10.77% | 6.71% |
| Q2 2025 | $11.33B | $15.07B | 31.62% | 10.89% | 6.37% |
| Q3 2025 | $11.34B | $15.16B | 31.69% | 10.62% | 5.95% |
| Q4 2025 | $11.49B | $16.77B | 31.00% | 10.42% | 5.61% |
| Q1 2026 | $11.56B | $16.41B | 31.65% | 10.11% | 5.08% |
| Q2 2026 | $11.70B | $16.41B | 31.51% | 10.26% | 4.75% |
The Central Trust Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Central Trust 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 Central Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12633) · FFIEC NIC profile (RSSD 853952)