Exchange Bank Co.: 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.
Construction concentration (tier 1 capital + allowance) dropped 14.60 percentage points in Q2 2026, from 24.69% to 10.09%. It was the largest change from Q1 2026 among the key lines here. Exchange Bank Co. ranks 160th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 68.40% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Exchange Bank Co. sits 12.44 points lower, at 68.40% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $209.4M |
| Net loans and leases | $206.3M |
| Loans held for sale | $0 |
| Loans to total assets | 61.31% |
| Loan-to-deposit ratio | 68.40% |
| Net loans to equity capital | 6.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.69% |
| Multifamily (5+ residential) | 1.61% |
| Commercial and industrial | 11.22% |
| Consumer | 2.17% |
| Credit cards | 0.00% |
| Farm | 32.91% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 21.50% |
| Construction concentration (Tier 1 capital + allowance) | 10.09% |
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 | 6.83% |
| 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 | $142.7M | $193.7M | 13.03% | 13.08% | 1.59% |
| Q4 2023 | $144.0M | $201.7M | 12.82% | 12.75% | 1.58% |
| Q1 2024 | $144.7M | $213.6M | 12.81% | 13.09% | 1.41% |
| Q2 2024 | $148.6M | $205.4M | 12.64% | 12.54% | 1.54% |
| Q3 2024 | $150.4M | $217.3M | 12.60% | 11.59% | 1.60% |
| Q4 2024 | $183.9M | $270.5M | 11.22% | 11.88% | 2.81% |
| Q1 2025 | $190.3M | $281.4M | 10.78% | 12.70% | 2.60% |
| Q2 2025 | $192.6M | $288.2M | 10.31% | 12.23% | 2.62% |
| Q3 2025 | $201.7M | $289.8M | 10.39% | 12.22% | 2.58% |
| Q4 2025 | $202.5M | $301.3M | 10.17% | 12.26% | 2.27% |
| Q1 2026 | $208.0M | $324.5M | 11.82% | 12.32% | 2.13% |
| Q2 2026 | $209.4M | $306.1M | 11.69% | 11.22% | 2.17% |
Exchange Bank Co. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange Bank Co., 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 Exchange Bank Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8274) · FFIEC NIC profile (RSSD 2747466)