FCNB 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): 5.43 percentage points lower than in Q1 2026, at 112.31%. FCNB Bank ranks 150th of 191 Missouri banks on loan-to-deposit ratio, in the lower half at 72.33% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.55% on loan-to-deposit ratio. FCNB Bank sits 8.22 points lower, at 72.33% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $141.8M |
| Net loans and leases | $140.4M |
| Loans held for sale | $0 |
| Loans to total assets | 64.31% |
| Loan-to-deposit ratio | 72.33% |
| Net loans to equity capital | 12.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 27.65% |
| Multifamily (5+ residential) | 1.39% |
| Commercial and industrial | 14.14% |
| Consumer | 3.84% |
| Credit cards | 0.00% |
| Farm | 11.86% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 112.31% |
| Construction concentration (Tier 1 capital + allowance) | 46.93% |
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 | 7.12% |
| Interest income on loans | $2.4M |
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 | $89.0M | $161.8M | 28.40% | 13.66% | 5.89% |
| Q4 2023 | $98.8M | $156.9M | 32.09% | 13.43% | 5.77% |
| Q1 2024 | $101.7M | $166.8M | 32.64% | 15.26% | 4.77% |
| Q2 2024 | $111.8M | $167.5M | 33.99% | 14.03% | 5.37% |
| Q3 2024 | $111.7M | $165.0M | 33.41% | 13.74% | 4.72% |
| Q4 2024 | $115.2M | $164.8M | 33.14% | 14.40% | 4.32% |
| Q1 2025 | $120.2M | $180.4M | 32.99% | 15.51% | 4.12% |
| Q2 2025 | $122.1M | $183.4M | 32.44% | 15.12% | 4.31% |
| Q3 2025 | $125.2M | $185.7M | 28.22% | 15.10% | 4.31% |
| Q4 2025 | $129.5M | $184.5M | 28.00% | 14.46% | 4.15% |
| Q1 2026 | $135.3M | $192.3M | 28.03% | 13.88% | 3.96% |
| Q2 2026 | $141.8M | $196.0M | 27.65% | 14.14% | 3.84% |
FCNB Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock FCNB 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 FCNB Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1639) · FFIEC NIC profile (RSSD 619859)