First Midwest Bank of Dexter: 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) dropped 21.82 percentage points in Q2 2026, from 279.04% to 257.23%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, First Midwest Bank of Dexter ranks 8th highest among the 192 banks headquartered in Missouri, at 107.72% (Q2 2026). First Midwest Bank of Dexter reported 107.72% on loan-to-deposit ratio for Q2 2026, 26.88 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $564.9M |
| Net loans and leases | $559.5M |
| Loans held for sale | $663K |
| Loans to total assets | 86.63% |
| Loan-to-deposit ratio | 107.72% |
| Net loans to equity capital | 8.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.61% |
| Multifamily (5+ residential) | 5.33% |
| Commercial and industrial | 17.74% |
| Consumer | 1.27% |
| Credit cards | 0.00% |
| Farm | 6.90% |
| Loans to depository institutions | 0.25% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 257.23% |
| Construction concentration (Tier 1 capital + allowance) | 65.00% |
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 | 6.79% |
| Interest income on loans | $9.6M |
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 | $432.3M | $456.9M | 22.06% | 29.55% | 1.52% |
| Q4 2023 | $454.8M | $472.4M | 22.99% | 27.26% | 1.41% |
| Q1 2024 | $484.1M | $495.6M | 23.28% | 26.48% | 1.19% |
| Q2 2024 | $508.9M | $485.6M | 22.28% | 24.60% | 1.18% |
| Q3 2024 | $519.0M | $480.9M | 22.25% | 24.69% | 1.10% |
| Q4 2024 | $535.4M | $490.0M | 21.48% | 24.45% | 1.26% |
| Q1 2025 | $552.6M | $515.9M | 22.08% | 24.34% | 1.16% |
| Q2 2025 | $552.1M | $521.6M | 25.37% | 20.05% | 1.17% |
| Q3 2025 | $562.9M | $540.4M | 24.68% | 19.16% | 1.74% |
| Q4 2025 | $571.5M | $544.6M | 25.96% | 18.85% | 1.15% |
| Q1 2026 | $568.2M | $527.0M | 25.54% | 17.88% | 1.13% |
| Q2 2026 | $564.9M | $524.4M | 25.61% | 17.74% | 1.27% |
First Midwest Bank of Dexter loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Midwest Bank of Dexter, 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 Midwest Bank of Dexter profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19001) · FFIEC NIC profile (RSSD 770853)