Community Bank and Trust: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.97 percentage points higher than in Q1 2026, at 52.11%. On loan-to-deposit ratio, Community Bank and Trust is 16th from the bottom among 192 Missouri banks, 52.11% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Community Bank and Trust sits 28.73 points lower, at 52.11% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $205.5M |
| Net loans and leases | $203.5M |
| Loans held for sale | $458K |
| Loans to total assets | 46.17% |
| Loan-to-deposit ratio | 52.11% |
| Net loans to equity capital | 5.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 9.14% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.17% |
| Consumer | 2.21% |
| Credit cards | 0.00% |
| Farm | 11.87% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.49% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 44.17% |
| Construction concentration (Tier 1 capital + allowance) | 5.79% |
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 | 5.23% |
| 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 | $186.2M | $354.3M | 12.44% | 7.71% | 2.62% |
| Q4 2023 | $186.6M | $346.7M | 11.75% | 7.30% | 2.49% |
| Q1 2024 | $180.5M | $367.7M | 11.85% | 7.09% | 2.46% |
| Q2 2024 | $180.2M | $368.9M | 11.52% | 7.38% | 2.42% |
| Q3 2024 | $180.9M | $365.2M | 11.29% | 7.46% | 2.29% |
| Q4 2024 | $179.2M | $365.5M | 10.84% | 7.53% | 2.24% |
| Q1 2025 | $185.9M | $381.6M | 10.05% | 6.89% | 1.96% |
| Q2 2025 | $187.7M | $379.2M | 9.60% | 6.64% | 2.01% |
| Q3 2025 | $195.7M | $379.9M | 8.67% | 6.82% | 2.00% |
| Q4 2025 | $200.7M | $376.3M | 9.00% | 7.27% | 1.91% |
| Q1 2026 | $196.4M | $391.7M | 8.94% | 7.43% | 2.33% |
| Q2 2026 | $205.5M | $394.4M | 9.14% | 7.17% | 2.21% |
Community Bank and Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank and Trust, 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 Community Bank and Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13068) · FFIEC NIC profile (RSSD 957757)