Community State 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.
Cre concentration (tier 1 capital + allowance) climbed 5.02 percentage points in Q2 2026, from 99.24% to 104.26%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Community State Bank of Missouri is 120th of 192 on loan-to-deposit ratio, 78.80% as of Q2 2026, below the middle of the field. At 78.80%, Community State Bank of Missouri's loan-to-deposit ratio is close to the 80.84% median for banks in the $100M-1B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $233.3M |
| Net loans and leases | $231.6M |
| Loans held for sale | $199K |
| Loans to total assets | 69.87% |
| Loan-to-deposit ratio | 78.80% |
| Net loans to equity capital | 6.35% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 15.10% |
| Multifamily (5+ residential) | 2.50% |
| Commercial and industrial | 12.38% |
| Consumer | 1.14% |
| Credit cards | 0.00% |
| Farm | 23.74% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.49% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 104.26% |
| Construction concentration (Tier 1 capital + allowance) | 23.95% |
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 | 6.08% |
| Interest income on loans | $3.6M |
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 | $203.3M | $248.6M | 11.40% | 13.11% | 1.22% |
| Q4 2023 | $211.7M | $268.8M | 10.73% | 13.97% | 1.14% |
| Q1 2024 | $218.3M | $259.2M | 10.61% | 14.14% | 1.07% |
| Q2 2024 | $223.4M | $250.2M | 10.03% | 13.16% | 1.07% |
| Q3 2024 | $222.9M | $254.8M | 9.64% | 13.40% | 1.06% |
| Q4 2024 | $218.2M | $284.4M | 9.81% | 11.30% | 1.09% |
| Q1 2025 | $221.2M | $283.4M | 10.90% | 12.10% | 1.01% |
| Q2 2025 | $228.2M | $285.9M | 10.46% | 13.66% | 1.11% |
| Q3 2025 | $233.4M | $281.9M | 9.90% | 12.81% | 1.10% |
| Q4 2025 | $239.1M | $310.3M | 13.46% | 11.97% | 1.15% |
| Q1 2026 | $234.2M | $305.6M | 13.69% | 12.52% | 1.12% |
| Q2 2026 | $233.3M | $296.0M | 15.10% | 12.38% | 1.14% |
Community State Bank of Missouri loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community State 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 State Bank of Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1936) · FFIEC NIC profile (RSSD 825548)