Community Bank of Raymore: 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 climbed 2.05 percentage points in Q2 2026, from 36.03% to 38.08%. It was the largest change from Q1 2026 among the key lines here. Community Bank of Raymore has the 8th lowest loan-to-deposit ratio of the 192 banks headquartered in Missouri, at 38.08% as of Q2 2026. Against a median of 80.84% for banks in the $100M-1B asset tier, Community Bank of Raymore reported 38.08% on loan-to-deposit ratio in Q2 2026, 42.76 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $126.0M |
| Net loans and leases | $125.5M |
| Loans held for sale | $0 |
| Loans to total assets | 36.33% |
| Loan-to-deposit ratio | 38.08% |
| Net loans to equity capital | 9.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.24% |
| Multifamily (5+ residential) | 1.55% |
| Commercial and industrial | 50.65% |
| Consumer | 1.95% |
| Credit cards | 0.00% |
| Farm | 6.62% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 28.87% |
| Construction concentration (Tier 1 capital + allowance) | 2.95% |
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 | — |
| Interest income on loans | $2.0M |
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 | $99.3M | $329.3M | 24.04% | 48.62% | 7.16% |
| Q4 2023 | $103.6M | $333.5M | 20.43% | 46.82% | 6.36% |
| Q1 2024 | $100.4M | $340.7M | 21.33% | 46.34% | 5.77% |
| Q2 2024 | $100.6M | $348.2M | 18.02% | 50.66% | 5.28% |
| Q3 2024 | $100.9M | $344.0M | 18.39% | 50.75% | 4.96% |
| Q4 2024 | $99.5M | $307.7M | 18.02% | 49.97% | 4.65% |
| Q1 2025 | $119.9M | $325.7M | 20.06% | 54.09% | 3.32% |
| Q2 2025 | $115.8M | $362.2M | 20.78% | 53.38% | 3.09% |
| Q3 2025 | $113.4M | $345.2M | 20.82% | 51.00% | 2.88% |
| Q4 2025 | $116.8M | $321.8M | 20.54% | 51.70% | 2.51% |
| Q1 2026 | $120.4M | $334.2M | 19.25% | 49.62% | 2.24% |
| Q2 2026 | $126.0M | $331.0M | 18.24% | 50.65% | 1.95% |
Community Bank of Raymore loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank of Raymore, 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 Raymore profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22867) · FFIEC NIC profile (RSSD 716851)