The Cornerstone 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.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.66 percentage points higher than in Q1 2026, at 106.32%. Within Missouri, The Cornerstone Bank is 59th of 192 on loan-to-deposit ratio, 92.91% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. The Cornerstone Bank sits 12.07 points higher, at 92.91% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $170.4M |
| Net loans and leases | $167.5M |
| Loans held for sale | $0 |
| Loans to total assets | 80.58% |
| Loan-to-deposit ratio | 92.91% |
| Net loans to equity capital | 6.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.75% |
| Multifamily (5+ residential) | 1.03% |
| Commercial and industrial | 11.78% |
| Consumer | 10.76% |
| Credit cards | 0.00% |
| Farm | 12.69% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 106.32% |
| Construction concentration (Tier 1 capital + allowance) | 19.55% |
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 | 8.50% |
| 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 | $132.9M | $155.6M | 10.85% | 12.24% | 14.01% |
| Q4 2023 | $137.3M | $154.4M | 12.24% | 11.85% | 13.45% |
| Q1 2024 | $138.9M | $160.3M | 12.01% | 12.95% | 13.40% |
| Q2 2024 | $140.6M | $166.8M | 14.30% | 10.97% | 13.22% |
| Q3 2024 | $143.1M | $163.5M | 13.77% | 11.35% | 13.04% |
| Q4 2024 | $143.8M | $165.8M | 14.50% | 11.32% | 12.77% |
| Q1 2025 | $145.1M | $168.7M | 14.52% | 11.44% | 12.78% |
| Q2 2025 | $149.2M | $173.2M | 14.63% | 11.03% | 12.74% |
| Q3 2025 | $155.4M | $174.0M | 13.94% | 10.85% | 12.40% |
| Q4 2025 | $161.6M | $176.1M | 13.88% | 10.60% | 12.02% |
| Q1 2026 | $165.5M | $181.2M | 14.12% | 11.28% | 11.39% |
| Q2 2026 | $170.4M | $183.4M | 14.75% | 11.78% | 10.76% |
The Cornerstone Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock The Cornerstone 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 The Cornerstone Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9388) · FFIEC NIC profile (RSSD 312356)