First Bank of the Lake: 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 Loans held for sale: 42.9% lower than in Q1 2026, at $6.5M. On loan-to-deposit ratio, First Bank of the Lake ranks 10th highest among the 192 banks headquartered in Missouri, at 107.29% (Q2 2026). First Bank of the Lake reported 107.29% on loan-to-deposit ratio for Q2 2026, 19.09 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.17B |
| Net loans and leases | $2.16B |
| Loans held for sale | $6.5M |
| Loans to total assets | 93.12% |
| Loan-to-deposit ratio | 107.29% |
| Net loans to equity capital | 12.71% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 48.90% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 45.25% |
| Consumer | 0.14% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 60.95% |
| Construction concentration (Tier 1 capital + allowance) | 58.93% |
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 | 6.77% |
| Interest income on loans | $37.3M |
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 | $771.3M | $709.4M | 38.42% | 57.87% | 0.16% |
| Q4 2023 | $903.6M | $845.7M | 42.63% | 54.19% | 0.16% |
| Q1 2024 | $1.08B | $914.1M | 34.49% | 55.87% | 0.19% |
| Q2 2024 | $1.25B | $1.15B | 35.12% | 55.43% | 0.17% |
| Q3 2024 | $1.41B | $1.18B | 38.13% | 53.47% | 0.09% |
| Q4 2024 | $1.51B | $1.40B | 42.14% | 52.30% | 0.12% |
| Q1 2025 | $1.66B | $1.47B | 43.70% | 50.20% | 0.09% |
| Q2 2025 | $1.80B | $1.56B | 44.51% | 49.78% | 0.11% |
| Q3 2025 | $1.89B | $1.74B | 45.94% | 48.45% | 0.08% |
| Q4 2025 | $2.08B | $1.94B | 45.46% | 48.15% | 0.06% |
| Q1 2026 | $2.17B | $1.98B | 47.29% | 46.96% | 0.03% |
| Q2 2026 | $2.17B | $2.03B | 48.90% | 45.25% | 0.14% |
First Bank of the Lake loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Bank of the Lake, 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 First Bank of the Lake profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26960) · FFIEC NIC profile (RSSD 758851)