The Citizens-Farmers Bank of Cole Camp: 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.
Compared with Q1 2026, Commercial real estate (nonfarm nonresidential) fell 0.40 percentage points in Q2 2026 to 9.61%, the biggest move on this page. Within Missouri, The Citizens-Farmers Bank of Cole Camp is 136th of 192 on loan-to-deposit ratio, 74.58% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Citizens-Farmers Bank of Cole Camp sits 6.26 points lower, at 74.58% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $130.7M |
| Net loans and leases | $129.0M |
| Loans held for sale | $0 |
| Loans to total assets | 63.15% |
| Loan-to-deposit ratio | 74.58% |
| Net loans to equity capital | 4.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.61% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.07% |
| Consumer | 8.36% |
| Credit cards | 0.00% |
| Farm | 7.39% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 9.55% |
| Construction concentration (Tier 1 capital + allowance) | 9.55% |
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 | 7.25% |
| Interest income on loans | $2.4M |
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 | $124.7M | $146.8M | 9.41% | 8.12% | 9.66% |
| Q4 2023 | $125.1M | $145.0M | 9.44% | 7.99% | 9.37% |
| Q1 2024 | $126.0M | $153.3M | 9.29% | 8.10% | 9.04% |
| Q2 2024 | $125.4M | $156.7M | 9.00% | 8.09% | 9.25% |
| Q3 2024 | $126.4M | $157.5M | 9.14% | 8.11% | 9.04% |
| Q4 2024 | $131.4M | $159.1M | 9.20% | 7.90% | 8.51% |
| Q1 2025 | $132.0M | $167.5M | 9.60% | 7.63% | 8.24% |
| Q2 2025 | $133.0M | $172.1M | 9.81% | 7.46% | 8.26% |
| Q3 2025 | $131.2M | $168.7M | 9.87% | 7.38% | 8.37% |
| Q4 2025 | $133.8M | $166.1M | 9.61% | 7.02% | 8.14% |
| Q1 2026 | $131.9M | $177.7M | 10.01% | 7.11% | 8.31% |
| Q2 2026 | $130.7M | $175.3M | 9.61% | 7.07% | 8.36% |
The Citizens-Farmers Bank of Cole Camp loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens-Farmers Bank of Cole Camp, 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 Citizens-Farmers Bank of Cole Camp profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11463) · FFIEC NIC profile (RSSD 385547)