Exchange 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.
Construction concentration (tier 1 capital + allowance) dropped 3.79 percentage points in Q2 2026, from 60.46% to 56.66%. It was the largest change from Q1 2026 among the key lines here. Exchange Bank of Missouri ranks 99th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 84.94% (Q2 2026). Exchange Bank of Missouri reported 84.94% on loan-to-deposit ratio for Q2 2026, 4.10 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $348.0M |
| Net loans and leases | $344.4M |
| Loans held for sale | $0 |
| Loans to total assets | 76.68% |
| Loan-to-deposit ratio | 84.94% |
| Net loans to equity capital | 8.24% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.66% |
| Multifamily (5+ residential) | 0.56% |
| Commercial and industrial | 6.25% |
| Consumer | 0.98% |
| Credit cards | 0.00% |
| Farm | 37.19% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 113.31% |
| Construction concentration (Tier 1 capital + allowance) | 56.66% |
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 | 7.49% |
| Interest income on loans | $6.4M |
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 | $281.9M | $310.3M | 16.05% | 8.68% | 1.53% |
| Q4 2023 | $283.6M | $316.4M | 17.91% | 8.29% | 1.51% |
| Q1 2024 | $280.6M | $330.7M | 18.37% | 8.56% | 1.52% |
| Q2 2024 | $284.4M | $329.5M | 18.05% | 7.86% | 1.30% |
| Q3 2024 | $289.1M | $351.5M | 18.53% | 7.68% | 1.53% |
| Q4 2024 | $290.8M | $358.8M | 18.72% | 7.43% | 1.54% |
| Q1 2025 | $307.5M | $363.9M | 17.94% | 7.00% | 1.36% |
| Q2 2025 | $322.7M | $366.6M | 16.67% | 6.32% | 1.12% |
| Q3 2025 | $331.1M | $376.1M | 16.57% | 6.04% | 1.17% |
| Q4 2025 | $336.5M | $390.3M | 15.72% | 6.05% | 1.12% |
| Q1 2026 | $338.5M | $403.0M | 16.78% | 6.59% | 1.05% |
| Q2 2026 | $348.0M | $409.7M | 16.66% | 6.25% | 0.98% |
Exchange Bank of Missouri loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Exchange 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 Exchange Bank of Missouri profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1616) · FFIEC NIC profile (RSSD 686459)