Community Bank of El Dorado Springs: 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.
Loan-to-deposit ratio dropped 4.56 percentage points in Q2 2026, from 75.34% to 70.78%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Community Bank of El Dorado Springs is 154th of 192 on loan-to-deposit ratio, 70.78% 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. Community Bank of El Dorado Springs sits 10.06 points lower, at 70.78% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $85.2M |
| Net loans and leases | $84.3M |
| Loans held for sale | $0 |
| Loans to total assets | 59.33% |
| Loan-to-deposit ratio | 70.78% |
| Net loans to equity capital | 3.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 8.59% |
| Multifamily (5+ residential) | 2.23% |
| Commercial and industrial | 1.76% |
| Consumer | 3.91% |
| Credit cards | 0.00% |
| Farm | 42.93% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 17.47% |
| Construction concentration (Tier 1 capital + allowance) | 1.19% |
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 | 6.47% |
| Interest income on loans | $1.4M |
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 | $61.0M | $105.8M | 15.08% | 4.13% | 5.85% |
| Q4 2023 | $66.4M | $104.7M | 15.54% | 3.65% | 5.36% |
| Q1 2024 | $66.9M | $107.6M | 15.44% | 3.81% | 5.06% |
| Q2 2024 | $71.3M | $108.3M | 14.48% | 4.00% | 4.81% |
| Q3 2024 | $72.0M | $105.1M | 14.12% | 3.53% | 4.78% |
| Q4 2024 | $74.4M | $106.6M | 12.11% | 2.28% | 4.78% |
| Q1 2025 | $75.9M | $112.4M | 13.20% | 2.20% | 4.30% |
| Q2 2025 | $78.1M | $110.0M | 13.77% | 2.20% | 4.25% |
| Q3 2025 | $82.0M | $113.1M | 14.34% | 1.93% | 4.45% |
| Q4 2025 | $83.8M | $110.1M | 8.86% | 1.77% | 4.15% |
| Q1 2026 | $85.8M | $113.9M | 8.35% | 1.55% | 3.93% |
| Q2 2026 | $85.2M | $120.4M | 8.59% | 1.76% | 3.91% |
Community Bank of El Dorado Springs loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of El Dorado Springs, 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 of El Dorado Springs profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23551) · FFIEC NIC profile (RSSD 766052)