Community Bank of Marshall: 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 5.41 percentage points in Q2 2026, from 51.11% to 56.53%. It was the largest change from Q1 2026 among the key lines here. Community Bank of Marshall has the 14th lowest loan-to-deposit ratio of the 192 banks headquartered in Missouri, at 49.06% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Community Bank of Marshall sits 31.78 points lower, at 49.06% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $111.2M |
| Net loans and leases | $109.7M |
| Loans held for sale | $0 |
| Loans to total assets | 44.45% |
| Loan-to-deposit ratio | 49.06% |
| Net loans to equity capital | 5.13% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.33% |
| Multifamily (5+ residential) | 2.74% |
| Commercial and industrial | 7.57% |
| Consumer | 4.35% |
| Credit cards | 0.00% |
| Farm | 18.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.13% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 56.53% |
| Construction concentration (Tier 1 capital + allowance) | 10.14% |
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 | $1.8M |
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 | $94.0M | $203.2M | 15.91% | 9.73% | 6.17% |
| Q4 2023 | $97.6M | $210.0M | 15.35% | 9.03% | 5.81% |
| Q1 2024 | $92.7M | $215.3M | 15.43% | 9.36% | 6.46% |
| Q2 2024 | $95.3M | $215.7M | 16.45% | 8.88% | 6.28% |
| Q3 2024 | $97.9M | $209.3M | 15.36% | 9.19% | 6.03% |
| Q4 2024 | $101.1M | $212.7M | 14.81% | 9.20% | 5.94% |
| Q1 2025 | $99.2M | $217.3M | 15.79% | 8.83% | 5.85% |
| Q2 2025 | $101.6M | $217.5M | 15.62% | 7.98% | 5.75% |
| Q3 2025 | $107.8M | $210.8M | 15.23% | 7.45% | 4.88% |
| Q4 2025 | $109.3M | $211.3M | 15.48% | 7.59% | 4.92% |
| Q1 2026 | $109.7M | $224.2M | 14.59% | 7.62% | 4.74% |
| Q2 2026 | $111.2M | $226.7M | 14.33% | 7.57% | 4.35% |
Community Bank of Marshall loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Marshall, 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 Marshall profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22636) · FFIEC NIC profile (RSSD 706656)