First Independent 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.
Cre concentration (tier 1 capital + allowance) climbed 8.90 percentage points in Q2 2026, from 45.02% to 53.92%. It was the largest change from Q1 2026 among the key lines here. First Independent Bank has the 19th lowest loan-to-deposit ratio of the 192 banks headquartered in Missouri, at 56.28% as of Q2 2026. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Independent Bank sits 24.56 points lower, at 56.28% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $73.9M |
| Net loans and leases | $72.8M |
| Loans held for sale | $0 |
| Loans to total assets | 50.07% |
| Loan-to-deposit ratio | 56.28% |
| Net loans to equity capital | 4.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.79% |
| Multifamily (5+ residential) | 0.29% |
| Commercial and industrial | 12.86% |
| Consumer | 7.01% |
| Credit cards | 0.00% |
| Farm | 5.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 53.92% |
| Construction concentration (Tier 1 capital + allowance) | 19.51% |
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 | 7.57% |
| Interest income on loans | $1.4M |
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 | $65.9M | $115.3M | 16.50% | 13.39% | 9.20% |
| Q4 2023 | $68.6M | $113.3M | 15.85% | 13.10% | 9.26% |
| Q1 2024 | $72.5M | $115.8M | 16.90% | 12.38% | 8.50% |
| Q2 2024 | $72.5M | $119.0M | 17.02% | 13.02% | 8.28% |
| Q3 2024 | $73.8M | $118.8M | 15.35% | 12.41% | 9.03% |
| Q4 2024 | $74.0M | $119.8M | 16.30% | 11.96% | 8.44% |
| Q1 2025 | $74.2M | $123.2M | 15.19% | 12.40% | 8.32% |
| Q2 2025 | $73.0M | $124.9M | 15.84% | 11.79% | 8.76% |
| Q3 2025 | $74.3M | $124.9M | 14.99% | 11.25% | 10.64% |
| Q4 2025 | $74.4M | $123.7M | 15.14% | 14.03% | 7.46% |
| Q1 2026 | $74.3M | $126.7M | 15.60% | 14.51% | 7.33% |
| Q2 2026 | $73.9M | $131.4M | 17.79% | 12.86% | 7.01% |
First Independent Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Independent 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 First Independent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18380) · FFIEC NIC profile (RSSD 366658)