Community Bank of Missouri: 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.
Construction concentration (tier 1 capital + allowance) dropped 9.04 percentage points in Q2 2026, from 74.43% to 65.39%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Community Bank of Missouri is 108th of 192 on loan-to-deposit ratio, 81.28% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. Community Bank of Missouri sits 13.35 points higher, at 81.28% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $65.5M |
| Net loans and leases | $64.8M |
| Loans held for sale | $2.8M |
| Loans to total assets | 69.58% |
| Loan-to-deposit ratio | 81.28% |
| Net loans to equity capital | 4.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 13.95% |
| Multifamily (5+ residential) | 7.33% |
| Commercial and industrial | 5.57% |
| Consumer | 3.03% |
| Credit cards | 0.00% |
| Farm | 11.01% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 128.61% |
| Construction concentration (Tier 1 capital + allowance) | 65.39% |
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 | 7.63% |
| Interest income on loans | $1.2M |
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 | $47.9M | $65.2M | 15.16% | 8.13% | 4.49% |
| Q4 2023 | $47.5M | $64.1M | 14.01% | 8.87% | 4.42% |
| Q1 2024 | $48.4M | $67.6M | 18.15% | 7.91% | 4.35% |
| Q2 2024 | $49.4M | $68.0M | 18.57% | 7.85% | 4.35% |
| Q3 2024 | $53.8M | $71.1M | 18.62% | 7.87% | 3.77% |
| Q4 2024 | $54.3M | $70.9M | 15.20% | 5.65% | 3.57% |
| Q1 2025 | $52.0M | $77.4M | 16.47% | 5.15% | 3.43% |
| Q2 2025 | $56.1M | $77.7M | 15.72% | 5.72% | 3.27% |
| Q3 2025 | $57.5M | $75.7M | 14.23% | 5.36% | 3.50% |
| Q4 2025 | $62.0M | $78.1M | 13.24% | 5.20% | 3.21% |
| Q1 2026 | $61.9M | $82.4M | 13.21% | 5.41% | 3.17% |
| Q2 2026 | $65.5M | $80.6M | 13.95% | 5.57% | 3.03% |
Community Bank of Missouri loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Missouri, 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 Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57141) · FFIEC NIC profile (RSSD 3005097)