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) climbed 4.73 percentage points in Q2 2026, from 155.35% to 160.08%. It was the largest change from Q1 2026 among the key lines here. Commercial Bank ranks 112th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 80.41% (Q2 2026). At 80.41%, Commercial Bank's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $198.2M |
| Net loans and leases | $195.9M |
| Loans held for sale | $1.2M |
| Loans to total assets | 70.05% |
| Loan-to-deposit ratio | 80.41% |
| Net loans to equity capital | 12.70% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.00% |
| Multifamily (5+ residential) | 0.70% |
| Commercial and industrial | 19.49% |
| Consumer | 2.26% |
| Credit cards | 0.00% |
| Farm | 1.46% |
| Loans to depository institutions | 0.25% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 160.08% |
| Construction concentration (Tier 1 capital + allowance) | 23.84% |
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 | 6.38% |
| Interest income on loans | $3.1M |
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 | $172.2M | $252.8M | 39.48% | 26.35% | 3.17% |
| Q4 2023 | $174.3M | $244.3M | 39.97% | 26.31% | 2.75% |
| Q1 2024 | $170.4M | $251.8M | 41.54% | 24.77% | 2.83% |
| Q2 2024 | $167.4M | $254.0M | 42.35% | 23.24% | 2.94% |
| Q3 2024 | $171.3M | $254.8M | 40.97% | 24.93% | 2.73% |
| Q4 2024 | $169.7M | $242.4M | 39.38% | 24.66% | 2.71% |
| Q1 2025 | $179.3M | $252.2M | 38.37% | 25.45% | 2.56% |
| Q2 2025 | $179.6M | $250.2M | 37.82% | 24.64% | 2.44% |
| Q3 2025 | $181.5M | $245.5M | 41.15% | 22.96% | 2.82% |
| Q4 2025 | $187.8M | $242.8M | 42.50% | 20.16% | 2.59% |
| Q1 2026 | $190.5M | $243.6M | 42.44% | 20.40% | 2.40% |
| Q2 2026 | $198.2M | $246.5M | 42.00% | 19.49% | 2.26% |
Commercial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock 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 Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27409) · FFIEC NIC profile (RSSD 1225752)