Community Bank of Pleasant Hill: 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.
Commercial and industrial climbed 2.15 percentage points in Q2 2026, from 54.77% to 56.92%. It was the largest change from Q1 2026 among the key lines here. Community Bank of Pleasant Hill has the 9th lowest loan-to-deposit ratio of the 192 banks headquartered in Missouri, at 43.20% 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 Pleasant Hill sits 37.64 points lower, at 43.20% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $54.0M |
| Net loans and leases | $53.9M |
| Loans held for sale | $0 |
| Loans to total assets | 40.49% |
| Loan-to-deposit ratio | 43.20% |
| Net loans to equity capital | 6.66% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 12.87% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 56.92% |
| Consumer | 2.88% |
| Credit cards | 0.00% |
| Farm | 0.28% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 50.26% |
| Construction concentration (Tier 1 capital + allowance) | 30.51% |
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 | 6.66% |
| Interest income on loans | $872K |
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 | $30.8M | $126.4M | 27.29% | 31.97% | 8.94% |
| Q4 2023 | $35.2M | $132.5M | 23.38% | 39.24% | 7.74% |
| Q1 2024 | $40.6M | $129.2M | 26.83% | 39.95% | 6.50% |
| Q2 2024 | $40.7M | $147.7M | 26.42% | 39.58% | 6.20% |
| Q3 2024 | $41.0M | $129.7M | 17.97% | 49.13% | 5.88% |
| Q4 2024 | $39.8M | $136.5M | 19.29% | 46.84% | 5.69% |
| Q1 2025 | $50.7M | $133.4M | 17.22% | 51.85% | 4.25% |
| Q2 2025 | $52.0M | $154.7M | 17.88% | 51.95% | 4.08% |
| Q3 2025 | $48.5M | $133.0M | 19.10% | 52.79% | 4.14% |
| Q4 2025 | $50.8M | $134.9M | 17.46% | 51.45% | 3.58% |
| Q1 2026 | $52.8M | $128.4M | 13.57% | 54.77% | 3.39% |
| Q2 2026 | $54.0M | $125.0M | 12.87% | 56.92% | 2.88% |
Community Bank of Pleasant Hill loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Pleasant Hill, 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 Pleasant Hill profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58423) · FFIEC NIC profile (RSSD 3448425)