CNB St. Louis 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 11.86 percentage points in Q2 2026, from 288.54% to 276.67%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, CNB St. Louis Bank is 45th of 192 on loan-to-deposit ratio, 94.60% as of Q2 2026, above the middle of the field. CNB St. Louis Bank reported 94.60% on loan-to-deposit ratio for Q2 2026, 13.66 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $659.2M |
| Net loans and leases | $646.7M |
| Loans held for sale | $0 |
| Loans to total assets | 81.09% |
| Loan-to-deposit ratio | 94.60% |
| Net loans to equity capital | 10.15% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.40% |
| Multifamily (5+ residential) | 8.64% |
| Commercial and industrial | 22.25% |
| Consumer | 0.51% |
| Credit cards | 0.00% |
| Farm | 0.03% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 276.67% |
| Construction concentration (Tier 1 capital + allowance) | 68.78% |
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 | 6.39% |
| Interest income on loans | $10.8M |
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 | $564.3M | $636.3M | 46.05% | 17.09% | 0.72% |
| Q4 2023 | $582.2M | $644.5M | 47.21% | 17.11% | 0.70% |
| Q1 2024 | $584.3M | $610.4M | 46.45% | 16.73% | 0.69% |
| Q2 2024 | $594.9M | $640.9M | 43.87% | 19.04% | 0.64% |
| Q3 2024 | $606.9M | $675.2M | 44.43% | 19.42% | 0.62% |
| Q4 2024 | $636.6M | $679.7M | 44.59% | 21.80% | 0.58% |
| Q1 2025 | $659.1M | $683.1M | 44.93% | 20.71% | 0.63% |
| Q2 2025 | $669.1M | $722.7M | 43.89% | 21.49% | 0.61% |
| Q3 2025 | $695.6M | $774.1M | 41.49% | 21.94% | 0.52% |
| Q4 2025 | $685.9M | $710.9M | 40.44% | 24.31% | 0.51% |
| Q1 2026 | $689.7M | $732.9M | 40.71% | 24.26% | 0.52% |
| Q2 2026 | $659.2M | $696.8M | 42.40% | 22.25% | 0.51% |
CNB St. Louis Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock CNB St. Louis 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 CNB St. Louis Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4549) · FFIEC NIC profile (RSSD 870650)