Century Bank of the Ozarks: 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 6.59 percentage points in Q2 2026, from 28.63% to 35.22%. It was the largest change from Q1 2026 among the key lines here. Century Bank of the Ozarks ranks 51st of 192 Missouri banks on loan-to-deposit ratio, in the upper half at 94.10% (Q2 2026). Century Bank of the Ozarks reported 94.10% on loan-to-deposit ratio for Q2 2026, 13.16 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $257.0M |
| Net loans and leases | $253.1M |
| Loans held for sale | $0 |
| Loans to total assets | 84.18% |
| Loan-to-deposit ratio | 94.10% |
| Net loans to equity capital | 9.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.69% |
| Multifamily (5+ residential) | 2.25% |
| Commercial and industrial | 5.30% |
| Consumer | 2.76% |
| Credit cards | 0.00% |
| Farm | 24.63% |
| Loans to depository institutions | 0.02% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 208.39% |
| Construction concentration (Tier 1 capital + allowance) | 35.22% |
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 | 7.06% |
| Interest income on loans | $4.5M |
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 | $206.1M | $224.5M | 35.75% | 8.20% | 3.38% |
| Q4 2023 | $212.3M | $233.7M | 37.05% | 7.71% | 3.16% |
| Q1 2024 | $213.5M | $234.3M | 37.21% | 7.51% | 2.98% |
| Q2 2024 | $214.9M | $237.0M | 37.72% | 7.85% | 2.97% |
| Q3 2024 | $218.9M | $230.5M | 38.04% | 8.14% | 3.02% |
| Q4 2024 | $221.5M | $235.9M | 37.28% | 7.81% | 3.10% |
| Q1 2025 | $228.8M | $240.6M | 39.14% | 7.41% | 3.04% |
| Q2 2025 | $228.8M | $247.0M | 37.08% | 7.42% | 2.99% |
| Q3 2025 | $231.8M | $245.6M | 36.53% | 6.42% | 3.10% |
| Q4 2025 | $240.8M | $247.4M | 34.40% | 6.43% | 2.98% |
| Q1 2026 | $247.9M | $266.4M | 34.74% | 5.41% | 2.78% |
| Q2 2026 | $257.0M | $273.1M | 33.69% | 5.30% | 2.76% |
Century Bank of the Ozarks loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Century Bank of the Ozarks, 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 Century Bank of the Ozarks profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8296) · FFIEC NIC profile (RSSD 904359)