Community Point Bank: 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 17.72 percentage points in Q2 2026, from 90.25% to 107.98%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Community Point Bank is 47th of 192 on loan-to-deposit ratio, 94.35% as of Q2 2026, above the middle of the field. Community Point Bank reported 94.35% on loan-to-deposit ratio for Q2 2026, 13.51 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $214.6M |
| Net loans and leases | $212.1M |
| Loans held for sale | $0 |
| Loans to total assets | 82.62% |
| Loan-to-deposit ratio | 94.35% |
| Net loans to equity capital | 10.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.18% |
| Multifamily (5+ residential) | 0.04% |
| Commercial and industrial | 9.75% |
| Consumer | 3.99% |
| Credit cards | 0.00% |
| Farm | 31.29% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 107.98% |
| Construction concentration (Tier 1 capital + allowance) | 53.06% |
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 | 7.04% |
| Interest income on loans | $3.7M |
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 | $133.8M | $156.2M | 9.97% | 5.90% | 5.47% |
| Q4 2023 | $138.1M | $159.4M | 9.88% | 5.99% | 5.45% |
| Q1 2024 | $141.9M | $168.5M | 9.66% | 6.50% | 5.12% |
| Q2 2024 | $146.9M | $173.0M | 10.33% | 7.27% | 5.19% |
| Q3 2024 | $155.6M | $173.6M | 11.02% | 6.42% | 5.16% |
| Q4 2024 | $166.5M | $177.4M | 10.46% | 6.93% | 4.97% |
| Q1 2025 | $167.3M | $187.2M | 11.31% | 7.88% | 4.91% |
| Q2 2025 | $176.3M | $195.4M | 11.10% | 8.69% | 4.51% |
| Q3 2025 | $186.3M | $200.2M | 10.89% | 8.72% | 4.38% |
| Q4 2025 | $201.7M | $206.6M | 10.23% | 8.58% | 4.16% |
| Q1 2026 | $205.0M | $219.7M | 11.00% | 9.26% | 4.12% |
| Q2 2026 | $214.6M | $227.4M | 11.18% | 9.75% | 3.99% |
Community Point Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Point Bank, 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 Point Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14604) · FFIEC NIC profile (RSSD 527057)